Car Shopping & Financing Guide
We'll make your financing experience easier and stress-free.
Partner Dealerships
We partner with hundreds of dealerships to help streamline the loan process. Browse dealer inventories in our Auto Research Center and use NADA to explore vehicle values.
When purchasing from a partner dealership:
- The dealer will create a duplicate credit application for you since they do not have access to your personal information at UW Credit Union.
- You will close and sign your loan papers right there at the dealership.
Non-Partner Dealerships
Even if we don’t have a direct partnership with your dealer, we can still finance your vehicle purchase quickly and easily.
When purchasing from a non-partner dealership:
- Provide to UW Credit Union a readable copy of the Dealer Purchase Agreement/Buyer’s Order from your dealership.
- Provide the dealership with UW Credit Union’s lienholder information:
UW Credit Union
P.O. Box 44963
Madison, WI 53744-4963
Phone: 608-232-5000
Fax: 608-236-2981
Secured Party No: 005805
Private Sellers
When purchasing from a private seller:
- Provide to UW Credit Union a readable copy of the front of the vehicle's title.
Note: If the title shows a lien on it, we will also need either a copy of the lien release or a payoff quote from the financial institution that holds the loan.
- You and the seller will need to complete and sign a Bill of Sale provided by UW Credit Union.
How to Send Documents
There are several ways to provide any required documents to UW Credit Union:
- Web Branch users, please provide documents, if requested, at uwcu.org/upload.
- If you're not a Web Branch user, please email your lender.
- Fax documents to us at 608-236-2981
- Bring documents to your nearest branch.
Once you've submitted the required documents, we'll contact you about final details and set up a method for signing your closing papers -- either in person or by email.
How to Make Payments
Choose your preferred way of making a payment. Pay from your:
- UW Credit Union checking or savings account in Web Branch
- Non-UW Credit Union account with a one-time payment
- Non-UW Credit Union account with recurring payments
You may also make payments in branch, by mail or by phone.
Some payment types may take longer to process, so please plan ahead. Learn more.
Additional Benefits
We offer valuable protection products for your vehicle to help you save money and enjoy peace of mind. Speak with your loan officer to learn more.
Vehicle Repair Coverage
Vehicle Repair covers the cost of minor and major repairs to your vehicle with a deductible as low as $0. Plus, every plan comes with 24-hour emergency roadside assistance, rental and travel reimbursements, paintless dent repair and windshield repair.
Try it with no risk—if you decide to cancel within the first 60 days, you’ll receive a full refund.
GAP Coverage
Because your vehicle depreciates, its value could be less than what you owe on your loan. GAP covers the difference between what you owe on your loan and what your insurance will pay in the event your vehicle is stolen or damaged beyond repair.
GAP can be added to your loan at any time and is refundable if cancelled within the first 60 days.