Loans

Vehicle

Vehicle Loans – New and Pre-owned
Let the Unilever Federal Credit Union experts help you through the entire process of purchasing a vehicle. A pre-approved UFCU loan will put you in a better bargaining position with dealers.  Our vehicle loan rates are guaranteed to make you smile-and save!

Key Features and Benefits

  • Attractive rates for purchase or refinancing
  • Flexible repayment terms up to 72 months (new) and 60 months (pre-owned)
  • No application fee
  • No prepayment penalties
  • 100% financing-no down payment required
  • We lend across the country
    Refinances Welcome!
    Refinancing your loan from another lender could save you hundreds of dollars in interest and lower your monthly payments. Contact us to compare financing.
     


To make this process easier you will want to have the following available for
Applicant and Co-Applicant (if applicable):

  • A U.S. Social Security Number
  • Proof of identity (Driver’s License, Passports are accepted)
  • A copy of most recent pay stub
  • Title (if refinancing your current vehicle)
  • Provide the vehicle identification number
  • Proof of insurance.  Unilever Federal Credit Union listed as loss payee/lienholder

 

applyNow

 

If you are not currently a credit union member, be sure to complete our membership application. Your personal information is safe and secure with Unilever Federal Credit Union.

Call (800) 975-3328 or email credit.union@unilever.com for assistance

Click here to view our current rates

Borrower  Copy – IMPORTANT – Print and retain for your records (Credit Security Agreement)
 
 

Personal

Personal Loans
Fixed-term or revolving credit personal loans allow you to borrow funds that are secured by your signature, good credit history, and promise to repay. You determine the purpose and create your own loan. Amounts up to $20,000 are available for qualified borrowers. Personal loans over $10,000 require a minimum FICO score of 760. Loan amounts up to $10,000 are available for FICO scores under 740. Your ability to repay and your credit worthiness are considered when determining the maximum loan amount you may be eligible for.

Checking Account Reserve
Checking reserve or “overdraft protection” is available to protect your UFCU checking account from becoming overdrawn, incurring fees and potentially a check being returned. It is available when you need it to cover a check, make a VISA Debit Card purchase, or withdraw funds at an ATM. No interest is charged until you overdraw your checking account balance.


To make this process easier you will want to have the following available for
Applicant and Co-Applicant (if applicable):

Student Refinance Loan

Unilever Federal Credit Union Student Loan Refinance Program specializes in helping Unilever professionals and their family members refinance their existing student loan debt and consolidating all loans federal and private into one single loan with one bill. 

Fixed Rates & Terms:
 3.25% APR*   96-TERM
2.99% APR*   84-TERM
2.75% APR*   72-TERM
2.50% APR*   60-TERM
2.25% APR*   48-TERM

1.99% APR*   36-TERM
1.75% APR*   24-TERM
 

     BENEFITS OF REFINANCING YOUR EXISTING STUDENT LOAN DEBT

  • Save more overall on total interest
  • Shorten the loan term
  • Switch to a lower interest fixed rate
  • No Prepayment Penalties
  • Principal payments permitted
  • Simplify your monthly bill through consolidation
  • Maximum Loan Amount $50,000

    QUALIFICATIONS

  • You must be a U.S. citizen, permanent resident or resident alien with a valid U.S. Social Security Number
  • A college graduate  

    To make this process easier you will want to have the following available for Applicant and Co-Applicant (if applicable):

    • A U.S. Social Security Number
    • Proof of identity (Driver’s License, Passports are accepted)
    • A copy of most recent pay stub
    • Billing statements for the loans you wish to refinance

    applyNow

     
      
     
    Request a free consultation with our in-house VP of Lending.
      

    Call (800) 975-3328 or email credit.union@unilever.com for assistance.

    Try our student loan refinancing calculator to see how much you might be able to save by refinancing.
       

    *APR=Annual Percentage Rate. Rates are subject to change without further notice. The actual APR of the loan is based upon credit score and capability to repay loan. 
    The maximum amount to borrow is $50,000. Loans under $10,000 require a 700 FICO credit score. Loans over $10,000 require a 720 FICO credit score. Loans over $25,000 require a 740 credit score.  You must be a member of UFCU to apply.   

     

Share & Stock Secured

Stock Secured Loan
Consider a stock-secured loan if you own NYSE or NASDAQ traded securities and would like to secure a low-cost loan. Based on your holdings, you can borrow up to 70% of the “Hi-Lo” average of the stock’s value based on past performance. Loans are secured by unrestricted, marketable stock (excluding stock in 401K Plans, Mutual Funds, etc.).

Share/CD Secured Loans
Many members have to pay for a large purchase but desire to keep their savings account intact. Instead they will pledge their savings/CD account as collateral to secure a low-cost loan.


To make this process easier you will want to have the following available for
Applicant and Co-Applicant (if applicable):