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)
  • Vehicle Identification Number
  • Proof of insurance.  Unilever Federal Credit Union listed as loss payee/lienholder

 

applyNow

 

 

Estimate Your Monthly Payment
Calculate your monthly payment or loan amount with our loan calculator.

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
  

Boat and RV Loans


Escape to the great outdoors. Recreational vehicles and boats are great ways to relax, go exploring or enjoy quality time with your family. Let us help you add fun to your life and finance a new or used boat or RV.

Features

  • No application fees
  • Low Fixed rate 5.00% APR* (New)
  • Low Fixed rate 5.375% APR*(Used)
  • Terms up to 84 months for both new and used
  • Maximum amount financed $100,000
  • Fast pre-approvals
  • No prepayment penalty
  • Credit Life and Disability Insurance available for eligible borrowers
  • New, Used or Refinance

Requirements

  • Full coverage physical damage insurance
  • Minimum Required FICO Score of 740
  • Minimum Down Payment of 20%
  • Membership with the Credit Union

 

Refinance

Already have a loan? Get a free refinance quote and find out how much you could save on monthly payments.


Hit the outdoors with Unilever Federal Credit Union

 

We finance it all
UFCU makes it easy to purchase or refinance a variety of new or used recreational vehicles including:

    • Travel Trailers
    • Motor Homes
    • Pontoon Boats
    • Wave Runners
    • Bass Boats
    • Sail Boats
    • Center Console
    • Cabin Cruiser


      Estimate Your Monthly Payment
      Calculate your monthly payment or loan amount with our loan calculator.




      *Annual percentage rate. Actual APR based on credit worthiness. Rate is subject to change at any time without notice. Loan term is a maximum of 84 months. Minimum required FICO Score of 740.  Minimum down payment of 20%.  Maximum amount financed $100,000. Existing UFCU loans cannot be refinanced; applies to new loans only. Membership required.
        

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 under $5,000 require a minimum 720 FICO credit score. 
  • Personal loans over $5,000 require a minimum 760 FICO credit score. 

    Your ability to repay and your credit worthiness are considered when determining the maximum loan amount you may be eligible for.

Overdraft Protection
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):

  • A U.S. Social Security Number
  • Proof of identity (Driver’s License, Passports are accepted)
  • A copy of most recent pay stub 


    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
     

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 consolidate all loans federal and private into one single loan with one bill. 

Fixed Rates & Terms:
    3.99% APR*   96-TERM
   3.75% APR*   84-TERM
   3.50% APR*   72-TERM
   3.25% APR*   60-TERM
 2.99% APR*   48-TERM

 2.875% APR*  36-TERM
 2.75% 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


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

    Can you claim a deduction for your student loan interest?
    Here’s the interactive tool that will help you determine if your student loan interest is tax deductible.  Click here for details.

    Request a free consultation or call us at 1-800-975-3328.


    *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 minimum FICO credit score.
    Loans between $10,001 and $20,000 require a 740 minimum FICO credit score.
    Loans between $20,001 and $50,000 require a 760 minimum FICO score. You must be a member of UFCU to apply.

Home Purchase & Refinance

A home mortgage is one of the most important loans you will need. UFCU has a line of mortgage products available for purchasing a new home or vacation home, refinancing an existing mortgage, or taking advantage of the equity in your existing home. Our mortgages are available in the continental United States.

 

                                                         VIEW OUR RATES

   MORTGAGE CALCULATOR

    MORTGAGE CHECKLIST

APPLICATION INSTRUCTIONS

REQUEST A CONSULTATION

   APPLY NOW

Thinking About
Buying Your First Home?

Take some
proactive steps

 

  • Competitive low rates
  • No points
  • No prepayment penalties
  • Affordable mortgage options
  • Mortgage pre-qualification
  • Expert help from a UFCU mortgage specialist
  • Quick approvals and local closings make the entire process fast and hassle-free

 

Let’s Get Started!
Before you begin the Online Application it will be helpful to review our Checklist and the Online Applications instructions to speed up the process.

More Options
Print, fill and submit the PDF Mortgage Application
by mail or hand.

By Mail:
Unilever Federal Credit Union
P.O. box 1112
Englewood Cliffs, NJ 07632

In Person:
The office is located at 700 Sylvan Avenue, Englewood Cliffs, NJ 07632.

 

 


    
 
  

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Our Vice President of Lending

 

 

 

 


John Hotlzhauer

NMLS# 202179
UFCU MLS# 457994
Cell: 973-945-1057
1-800-975-3328

Have additional questions?
Please reach out and contact us.

 


The Secure and Fair Enforcement for Mortgage Licensing (SAFE) Act is designed to enhance consumer protection and reduce fraud by requiring a nationwide registration system for mortgage loan originators (MLOs). Each MLO obtains a unique identifier from the Nationwide Mortgage Licensing System and Registry (NMLS). This information allows a consumer applying for a mortgage loan to verify the MLO is properly registered and to obtain basic information about the MLO’s mortgage lending history. Unilever Federal Credit Union: NMLS #457994.