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.

Have Questions? Contact Us
John Holtzhauer    (203) 816-4066
Angelica Calderon (203) 816-4069
or email credit.union@unilever.com for assistance.

Your personal information is safe and secure with Unilever Federal Credit Union.

 

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.

Loan type Term Fixed Rate APR*
New Boat/RV 60 months 3.50%
New Boat/RV 72 months 3.75%
New Boat/RV 84 months 4.00%
New Boat/RV 96 months 4.25%
New Boat/RV 120 months 4.50%
New Boat/RV 144 month 4.75%
Used Boat/RV 60 months 3.75%
Used Boat/RV 72 months 4.00%
Used Boat/RV 84 months 4.25%


Features

  • Fixed rates & terms up to 12 years
  • New, Used or Refinance
  • Maximum amount financed $100,000
  • No prepayment penalty
  • No application fees
  • Fast pre-approvals
  • Credit Life and Disability Insurance available for eligible borrowers

Requirements

  • Full coverage physical damage insurance
  • Minimum Required FICO Score of 760
  • 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.

      Have Questions? Contact Us
      John Holtzhauer (203) 816-4066
      Angelica Calderon (203) 816-4069
      or email credit.union@unilever.com for assistance.

      Your personal information is safe and secure with Unilever Federal Credit Union.

       



      *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 760.
      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
  • Click here to view our current rates

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.


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


Have Questions? Contact Us

John Holtzhauer (203) 816-4066

Angelica Calderon (203) 816-4069
or email credit.union@unilever.com for assistance.

 

Your personal information is safe and secure with Unilever Federal Credit Union.

 

 

Student Loan Program

Whether you’re an undergraduate, graduate student, or parent, UFCU Student Loan Program is designed for you. Enjoy lower rates and flexible repayment terms. Our Student Loan Program includes student refinance, continuing education and tuition reimbursement.

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.

Benefits of refinancing your existing student loan debt:

  • Save more overall on total interest
    Loan Type Term Fixed Rate APR*
    Refinance &
    Continuing Education
    96 3.50%
    Refinance &
    Continuing Education
    84 3.25%
    Refinance &
    Continuing Education
    72 3.125%
    Refinance &
    Continuing Education
    60 2.875%
    Refinance &
    Continuing Education
    48 2.625%
    Refinance &
    Continuing Education
    36 2.50%
    Refinance &
    Continuing Education
    24 2.375%
  • 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 or permanent resident alien with a valid U.S. Social Security Number


    Continuing Education Loans

    For those attending or borrowing for a student attending a degree-granting institution. Whether you’re an undergraduate student, graduate student, or parent helping a student pay for school, this flexible loan is designed to meet your needs.

  • Borrow up to $50,000
  • No origination fees, no prepayment penalty
  • The check would need to be payable to the University


    Tuition Reimbursement Education Loans
    We offer a tuition reimbursement loan, where no monthly payments are required for up to 5 months. Interest accrues. Once you complete the course and your employer reimburses you, you would simply pay off the loan and the interest that has accrued since the loan opening date.

    • Borrow up to $50,000
    • No origination fees, no prepayment penalty
    • The check would need to be payable to the University
    • Current fixed interest rate is 2.99%. 5 Month Term

     

    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.


    Have Questions? Contact us
    John Holtzhauer (203) 816-4066
    Angelica Calderon (20) 816-4069
    or email credit.union@unilever.com for assistance.


    Your personal information is safe and secure with Unilever Federal Credit Union.


    *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. All loans are subject to Credit Union lending guidelines and credit worthiness.
    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. You must provide tuition bill.
    Refinance and Continuing Education Loans
    Monthly payments begin 30 days after the loan proceeds have been disbursed, and proceeds are paid.
    Continuing Education and Tuition Reimbursement
    You would need to apply each time you plan on taking courses. We cannot advance funds that exceed your current tuition amount (we cannot advance funds for courses you plan to take in the future).

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.

  • 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


Purchase-Money Mortgage Loans Available with Down Payments As Low As 5%

  • 5% Down Payment Program
  • Maximum Loan Amount $548,250.00
  • Owner occupied, single family homes. Includes townhomes and condominiums
  • Minimum FICO Score for 5% Down Payment Program is 720
  • Down Payments of less than 20% require private insurance



Get started on your mortgage application or pick up where you left off
Have the following information available when applying:

  • The income for all borrowers – Your W2s and tax returns will provide the information you need
  • Your current monthly expenses – Write down your monthly expenses like rent, mortgage, utilities, credit cards, average spending, etc.
  • An estimate of the funds you have available for a down payment, closing costs, taxes, and other costs.



More Options
Print the PDF version and submit it by mail:
Unilever FCU, P.O. box 1112, Englewood Cliffs, NJ 07632


Useful Links

View our current rates
Mortgage Calculator
Mortgage Checklist
Thinking about buying your first home? Take some proactive steps

 
Our Vice President of Lending

John Hotlzhauer
NMLS# 202179
UFCU MLS# 457994
Cell:   973-945-1057
Work: 203-816-4066
Email: john.holtzhauer@unilever.com

 

Have additional questions?
Please reach out and contact us.

Your personal information is safe and secure with Unilever Federal Credit Union.

 


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 formortgage 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.

 

 

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