How It Works

When you shop at a participating dealership, you can:

  • Apply for financing on the spot.

  • Let the dealership know you would like your loan to be placed with United Community FCU.

  • Drive your new vehicle home—with credit union financing already in place.

All the paperwork and communication are handled between the dealership and UCFCU, so you get a fast, smooth financing experience while still receiving the great rates and service you expect from your credit union.

Prefer to Plan Ahead? Get Pre-Approved!

Before you visit a dealership, we can provide a KLA Pre-Approval, which gives you:

  • The confidence of knowing your budget.

  • A clear idea of your loan amount and payment options.

  • Extra bargaining power when selecting your vehicle.

Simply contact the credit union to get started with your pre-approval, then shop with peace of mind.

The Benefits of Using KLA

Choosing KLA keeps your financing with UCFCU, which means:

  • Competitive credit union rates.

  • Fast decisions.

  • No pressure add-ons.

  • A trusted local lender working for you.