UCBI Auto Loan Rates and Calculators


United Community Bank Online Banking » UCBI Auto Loan Rates and Calculators

UCBI auto calculators provide users with the ability to quickly determine the most efficient and optimal form of financing for funding the purchase of a new or used car.

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Rates

UCBI offers numerous auto loans, all with differing terms and competitive rates. For updated UCBI auto loan rate information, please get in touch with a customer support representative either over the phone, or in-person at a UCBI branch location. More details regarding UBCI auto loans can be found on this page.

Calculators

How to Calculate

This calculator can be used to determine either the purchase price of a vehicle, or the monthly loan payment for a vehicle. Adjust the sliders/inputs for the following variables within the calculator:

  • Select to calculate for monthly payment or purchase price
  • Total purchase price
  • Monthly payment
  • Term length in months
  • Interest rate
  • Rebate/cash down
  • Trade allowance
  • Amount owed on trade-in
  • Non-taxable fees
  • Taxable fees
  • Sales tax rate

The monthly payment amount/purchase price will display at the top of the calculator (results will automatically generate as any of the variables are changed). Detailed result graphs can be viewed below the calculator’s input fields (click the tab to expand the graph sections).

Determines how much money an individual might be able to save by using a home equity loan to finance their vehicle purchase. Enter the following inputs into the blank entry fields (the sliders can also be adjusted by clicking and dragging):

  • Total purchase price
  • Term length in months
  • Auto loan interest rate
  • Home equity loan interest rate
  • Home equity closing costs
  • Federal tax rate
  • State tax rate
  • Rebates/cash down
  • Trade allowance
  • Amount owed on trade-in
  • Fees
  • Sales tax rate

The result will automatically update as any of the above inputs are entered/altered. Users can also click the ‘Calculate’ or ‘View Report’ buttons to view the results as well.

This calculator determines which option is better for buying a vehicle; leasing or buying. Enter the following inputs into the calculator:

  • Purchase price
  • Down payment
  • Sales tax rate
  • Investment rate of return
  • Term length in months
  • Interest rate
  • Other fees
  • Annual depreciation
  • Lease term in months
  • Interest rate
  • Other fees
  • Residual percent
  • Security deposit

Results will automatically generate (in most web browsers), however users can also click the ‘Calculate’ or ‘View Report’ buttons as well.

This calculator compares (up to) three different loans in order to help an individual determine which particular loan is the best option for their specific needs. Enter the following information for each loan that you wish to compare:

  • Amount of loan
  • Interest rate
  • Loan term length
  • Loan amortization length
  • Origination fee
  • Commitment fee
  • Other fees
  • Additional costs

Click the ‘View Report’ button at the top of the calculator to view detailed results.

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