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Auto Loans in Manitowoc and Sheboygan, WI

Car & Truck Loans, with a Local Touch!

We've been where you are now, we've helped others in similar situations, and we can help you too! We are your local loan providers in Manitowoc, Sheboygan, and sorrounding areas. We provide a wide range of auto loan options to cover your needs and lifestyle.

We’ll work hard to get you a loan at an affordable rate so you can get the vehicle you need. Whether the vehicle is new or pre-owned, we can help.  Let's get started, fill out the online application or contact one of our experienced local lenders today.

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Secured Loans (Cars, trucks, SUVs, motorcycles, ATVs, snowmobiles, and personal watercraft)
Effective Date: Tuesday, January 14th, 2025
YearTermMonthly Payment per $1,000APR* As Low As
2024 and Newer Up to 60 Months $22.44 5.240% APR*
2024 and Newer Up to 72 Months $19.69 5.240% APR*
2024 and Newer Up to 84 Months $18.33 6.240% APR*
2022-2023 Up to 60 Months $22.86 5.990% APR*
2017-2021 Up to 48 Months $27.16 6.240% APR*
2015-2016 Up to 36 Months $35.00 7.740% APR*
2005-2014 Up to 24 Months $49.15 7.740% APR*
2004 or older Up to 24 Months $50.56 10.240% APR*

*APR = Annual Percentage Rate. Rates are determined by your personal credit history, loan term, loan-to-value ratio, year of vehicle, and account relationship with UnitedOne Credit Union. Rate includes a .25% discount for automatic payments and a .25% Relationship Rewards discount when you finance a minimum of $5,000 in new money and maintain an active UnitedOne Credit Union checking account with direct deposit. Monthly payments per $1,000 borrowed include optional debt protection. First payment may be deferred up to 90 days. Finance charge begins accruing when loan is funded. Additional rates and terms available, please contact loans@UnitedOne.org for details. Loans subject to credit approval and not all applicants will qualify for the lowest rate. Membership Eligibility Required.

CARFAX Vehicle History products and services are based only on information supplied to CARFAX. CARFAX does not have the complete history of every vehicle. Use the CARFAX search as one important tool, along with a vehicle inspection and test drive, to make a better decision about your next used car. CARFAX Vehicle History Reports™ may be accessed with an active auto loan preapproval through UnitedOne Credit Union. The CARFAX Vehicle History Report is intended for personal use only and may not be used for commercial purposes. UnitedOne Credit Union is in no way responsible for the accuracy of the CARFAX Vehicle History Reports™. CARFAX reserves the right to take appropriate action for the misuse of this offer. CARFAX is a registered trademark of CARFAX, Inc. CARFAX Vehicle History products and services are based only on information supplied to CARFAX. CARFAX does not have the complete history of every vehicle. Use the CARFAX search as one important tool, along with a vehicle inspection and test drive, to make a better decision about your next used car. Credit and collateral subject to approval.

Vehicle Loan questions? We're happy to help!

Call or text us at (920) 684-0361 in Manitowoc or (920) 451-8222 in Sheboygan or email us at mail@UnitedOne.org.

 Apply Online Today! Make Appointment 

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