Auto Loans

You will find borrowing from United Community is simple and convenient. Our rates are competitive, we have few restrictions and our loan policies are more flexible. Whether you have a been a member for five minutes or fifty years, you can apply for a loan the very same day. Our loans are made in accordance with established lending policies and are granted based on your credit history, collateral and ability to repay.

Whether you want to buy a new or used vehicle or refinance one you already have, United Community makes the process hassle-free. United Community loans offer:

  • Competitive rates
  • Flexible terms
  • No penalty for pre-payment

We encourage you to apply online or stop by one of our locations to speak to a representative about acquiring a loan pre-approval to ensure a more efficient purchasing process.

Apply Today


United Community requires all borrowers to obtain and maintain comprehensive and collision insurance for the life of their vehicle loan. As outlined in the loan agreement, borrowers must provide United Community with evidence of obtained insurance coverage.

Your Policy MUST Include: Ways to Submit Proof of Insurance:
  -  Continious Comprehensive and Collision Coverage
  -  Coverage Effective/Renewal Date
  -  Deductibles no Greater than $1,000
  -  Lien Holder/Loss Payee Listed as:
           United Community Credit Union
           P.O. Box 606
          Galena Park, TX 77547
  -  Borrower/Insured Name
  -  Collateral Description - year, make, model & full VIN
  -  Insurance Company Name & Policy Number
  - www.myloaninsurance.com/unitedccu
  - unitedccu@myloaninsurance.com
  - United Community Credit Union
       P.O. Box 606
      Galena Park, TX 77547

 

United Community’s low rates make it easy to finance your purchase of a new or used boat, motorcycle, ATV, personal watercraft or RV! Whatever the season, whatever the sport, United Community will lend on both new and used recreational vehicles to get you the toy you’ve been eyeing.

Apply Today


United Community requires all borrowers to obtain and maintain comprehensive and collision insurance for the life of their vehicle loan. As outlined in the loan agreement, borrowers must provide United Community with evidence of obtained insurance coverage.

Your Policy MUST Include: Ways to Submit Proof of Insurance:
  -  Continious Comprehensive and Collision Coverage
  -  Coverage Effective/Renewal Date
  -  Deductibles no Greater than $1,000
  -  Lien Holder/Loss Payee Listed as:
           United Community Credit Union
           P.O. Box 606
           Galena Park, TX 77547
  -  Borrower/Insured Name
  -  Collateral Description - year, make, model & full VIN
  -  Insurance Company Name & Policy Number
  - www.myloaninsurance.com/unitedccu
  - unitedccu@myloaninsurance.com
  - United Community Credit Union
       P.O. Box 606
       Galena Park, TX 77547

 

United Community offers our members discounts on loan rates. Check the list below to see if you qualify for any additional discounts offer by United Community:

  • .10% Discount with Auto Pay
  • .10% Discount with Gap
  • .10% Discount with Warranty
  • .10% Discount with Credit Life
  • .10% Discount with Credit Disability
  • .25% Discount with 10% Down Payment 

*Max Combined Loan Discount of 0.75% or as noted on each product. United Community reserves the right to change these discounts at any time for any reason. 

United Community Insurance Tracking Center

Submitting Proof of Insurance

As the lienholder on your vehicle and many others, we depend on comprehensive and collision insurance to protect our credit union from uninsured loss.

As outlined in the loan agreement, borrowers must obtain and maintain comprehensive and collision insurance for the life of their vehicle loan and provide United Community with evidence of insurance coverage.

Your Policy MUST Include:

  • Continuous Comprehensive and Collison Coverage
  • Coverage Effective/Renewal Date
  • Deductibles no Greater than $1,000
  • Lien Holder/Loss Payee Listed as:
    • United Community Credit Union
      P.O. Box 606
      Galena Park, TX 77547
  • Borrower/Insured Name
  • Collateral Description - year, make, model & full VIN
  • Insurance Company Name & Policy Number

Ways to Submit Proof of Insurance:

  • www.myloaninsurance.com/unitedccu
  • unitedccu@myloaninsurance.com
  • United Community Credit Union
    P.O. Box 606
    Galena Park, TX 77547

FAQ:

Why did I receive a notice about providing proof of insurance?

United Community requires all borrowers to obtain and maintain comprehensive and collision insurance for the life of their vehicle loan. As outlined in the loan agreement, borrowers must provide United Community with evidence of obtained insurance coverage.

What happens if I don’t provide/submit proof of insurance?

A system is used to track and monitor the insurance status of our loans. If a member allows coverage to lapse on their loan, a collateral protection insurance policy is placed on the member's loan with the cost added to the monthly payments.

Collateral protection insurance protects the credit union, but does not cover the borrower, and is no substitute for traditional insurance.

How do I remove the Collateral Protection Insurance from my loan?

Remove collateral protection insurance by submitting proof of insurance through one of the options listed above.