Give your budget a break and enjoy no payments until 2027* when you finance a Vehicle or Imagine Loan during the Great Payment Escape.
Whether you want to chase new adventures or tackle life’s unexpected expenses, now is your chance to keep more money in your pocket through the holiday season.
Need an escape? During UnitedOne’s Great Payment Escape, members who finance a vehicle or personal loan will enjoy 90 days with no loan payments*, meaning you won’t have to worry about your first payment until 2027!
Whether you're shopping for a new or pre-owned car, truck, SUV, motorcycle, or ATV, this is the perfect time to upgrade your ride or tackle unexpected expenses.
Already have a loan elsewhere? Refinancing your vehicle loan or consolidating higher-rate debt could help simplify your finances and potentially lower your monthly payments.
Don’t miss your chance to keep more money in your pocket this holiday season. Apply for a vehicle or personal loan today to take advantage of UnitedOne’s Great Payment Escape!
*First payment may be deferred for 90 days on qualifying vehicle loans and personal/Imagine loans, with vehicle loan financing terms available up to 84 months and personal/Imagine loan terms up to 72 months. Finance charges begin accruing when the loan is funded, including during the deferred payment period. Annual Percentage Rate (APR), loan term, and loan amount are determined based on creditworthiness, collateral, and loan qualifications. Not all applicants will qualify for the deferred payment option or maximum loan term. Loans are subject to credit approval. Membership eligibility required. Additional restrictions and exclusions may apply. Offer valid October 13 through October 30, 2026. Offer may be modified or discontinued without notice.
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| Secured Loans (Cars, trucks, SUVs, motorcycles, ATVs, snowmobiles, and personal watercraft) | |||
| Effective Date: Tuesday, October 13th, 2026 | |||
| Year | Term | Monthly Payment per $1,000 | APR* As Low As |
| 2023 and Newer | Up to 60 Months | $22.04 | 4.490% APR* |
| 2023 and Newer | Up to 72 Months | $19.69 | 5.240% APR* |
| 2023 and Newer | Up to 84 Months | $18.33 | 6.240% APR* |
| 2021-2022 | Up to 60 Months | $22.04 | 4.490% APR* |
| 2021-2022 | Up to 72 Months | $19.69 | 5.240% APR |
| 2018-2020 | Up to 48 Months | $26.76 | 5.490% APR* |
| 2016-2017 | Up to 36 Months | $34.59 | 6.990% APR* |
| 2006-2015 | Up to 24 Months | $48.74 | 6.990% APR* |
| 2005 or older | Up to 24 Months | $49.87 | 8.990% APR* |
*APR=Annual Percentage Rate. Rate applies to Auto, Motorcycle, ATV, Snowmobile and Personal Watercraft. Your credit score, loan term, loan-to-value, year of Auto, Motorcycle, ATV, Snowmobile/Personal Watercraft and account relationship determine your rate. Rate stated is for borrowers with excellent credit history and a 2023 or newer vehicle and includes a .25% discount for automatic payments plus a .25% Relationship Rewards discount when you finance a minimum of $5,000.00 in new money and maintain an active UnitedOne Credit Union checking account with direct deposit. Monthly payments per $1,000.00 borrowed are $22.04 per month at 4.49% APR for 60 months with optional payment protection. First payment may be deferred for 90 days on select vehicle loans. Finance charges begin accruing when loan is funded. Not all applicants will qualify for the 90-day deferred payment, and other exclusions may apply. Loans subject to credit approval. Other rates and terms available, please contact us for details. UnitedOne Credit Union membership required. Other loan types not eligible for this offer. Offer subject to change at any time without notice. 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. | |||
| Secured Loans RVs and Boats - Extended Terms Available! | |||
| Effective Date: Tuesday, October 13th, 2026 | |||
| Year | Term | Monthly Payment per $1,000 | APR* As Low As |
| 2023 and newer - 20 ft. minimum for extended terms | Up to 60 Months | $22.31 | 4.990% |
| 2023 and newer - 20 ft. minimum for extended terms | Up to 72 Months ($10,000 loan) | $19.97 | 5.740% |
| 2023 and newer - 20 ft. minimum for extended terms | Up to 120 Months ($10,000 loan) | $15.77 | 7.490% |
| 2023 and newer - 20 ft. minimum for extended terms | Up to 180 Months (minimum $30,000 loan) | $13.86 | 7.990% |
| 2023 and newer - 20 ft. minimum for extended terms | Up to 240 Months (minimum $50,000 loan) | $13.75 | 8.990% |
| 2021-2022 | Up to 60 Months | $22.31 | 4.990% |
| 2021-2022 | Up to 72 Months ($10,000 loan) | $19.97 | 5.740% |
| 2021-2022 | Up to 120 Months ($10,000 loan) | $15.77 | 7.490% |
| 2021-2022 | Up to 180 Months (minimum $30,000 loan) | $13.86 | 7.990% |
| 2006-2020 | Up to 60 Months | $23.14 | 6.490% |
| 2006-2020 | Up to 72 Months ($10,000 loan) | $20.83 | 7.240% |
| 2006-2020 | Up to 120 Months ($10,000 loan) | $15.25 | 8.240% |
| 2005 and Older | Up to 60 Months | $24.28 | 8.490% |
| *APR=Annual Percentage Rate. Rate applies to RVs and Boats. Your credit score, loan term, loan-to-value, year of RV/Boat and account relationship determine your rate. Rate stated is for borrowers with excellent credit history and a 2023 or newer RV/Boat and includes a .25% discount for automatic payments plus a .25% Relationship Rewards discount when you finance a minimum of $5,000.00 in new money and maintain an active UnitedOne Credit Union checking account with direct deposit. Monthly payments per $1,000.00 borrowed are $22.31 per month at 4.99% APR for 60 months with optional payment protection. First payment may be deferred for 90 days on select RV/Boat loans. Finance charges begin accruing when loan is funded. Not all applicants will qualify for the 90-day deferred payment, and other exclusions may apply. Loans subject to credit approval. Other rates and terms available, please contact us for details. UnitedOne Credit Union membership required. Other loan types not eligible for this offer. Offer subject to change at any time without notice. | |||
| IMAGINE Loans (Debt consolidation, credit card payoffs, medical expenses, miscellaneous expenses) | ||
| Effective Date: Tuesday, October 13th, 2026 | ||
| Term | Monthly Payment per $1,000 | APR* As Low As |
| Up to 24 months | $49.12 | 9.990% |
| Up to 48 Months | $28.77 | 10.490% |
| Up to 72 Months | $23.29 | 12.490% |
| *APR = Annual Percentage Rates. Rates are determined by your personal credit history, loan term, 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 $1,000 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. | ||
Call or text us at (920) 684-0361, or email us at mail@UnitedOne.org. Proudly serving Manitowoc, Sheboygan, and surrounding communities.
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