Official Credit Union of UMass Athletics

Official Credit Union of UMass Athletics

Auto Loan

Auto Loans

UMassFive's flexible terms allow us to give you a monthly payment that fits your budget. Apply for a loan after you have your car selected, or get pre-approved so you can shop knowing exactly how much money you can spend.

Skip Up to Your First 3 Payments

Whether you’re financing a new car, or refinancing an existing auto loan, we’re letting you take control of when you start paying. For a limited time, all new auto loans have the flexibility to skip up to the first 3 months of payments!

Quick and Easy Process

Getting a car loan from UMassFive is a snap with our simple, one-time loan application. Most members get approved the day they apply.


Do you have an auto loan with another lender? If so, it could be costing you money. We have saved members thousands of dollars by refinancing auto loans they received from other lenders. We may be able to lower your rate, shorten your term, or both.

Flexible Fair Terms

We work with you to customize a loan that best suits your needs. That’s why we offer:
• Up to 125% no-money-down financing
• Terms up to 72 months
• Flexible payment options
• No prepayment penalties

Auto Loan Rates

Product Annual Percentage Rate Max Term
  rates starting at...   
Autos New & Used 3.29% 36 Months
Autos New & Used 3.29% 48 Months
Autos New & Used 3.29% 66 Months
Autos New & Used 3.79% Over 66 Months

Tell me more about Auto Loan Benefits...

View the Large print disclosures.

For questions or assistance, contact a friendly UMassFive representative today!