Auto Loans

Including new and used Auto, RV/Boar and Motorcycle/Jet-Ski/ATV loans

Drive the vehicle of your dreams at a price you can afford

Shop like a cash buyer and bargain for the best price with a pre-approved vehicle loan. We offer competitive low rates with up to 100% financing (including tax and license) for new and used autos, RVs, motorcycles and watercraft. Whether you want to purchase a new or used vehicle, or refinance a current vehicle loan to take advantage of lower interest rates, URW wants to help. We provide fast pre-approval so you know your rate and loan amount before you ever step on to a dealer lot. We’ll even help you negotiate the best possible price.

Click on the loan type for more details.

Loan Type Member Benefits Options
  • Finance up to 100% of the car's value.
  • Flexible terms
  • Finance up to 100% of NADA retail value.
  • Flexible terms that vary by year of vehicle
  • Loan amounts, rates and terms vary for older used vehicles.


  • Save money on interest or monthly payments.
  • No pre-payment restrictions
  • Up to 60-month term on autos 1- to 3-years old and up to 48-month term for vehicles 4- to 7-years old

* APR = annual percentage rate. All rates and conditions are based an evaluation of applicant’s credit. Call for more details. 

Refinance and save money!

If you’re stuck with a high-interest auto loan from a car dealer or bank, refinancing with URW can give you a lower APR on your monthly payments, saving you money in interest. If you choose to pay the same amount as your old loan each month, you could pay off your vehicle even faster!

We offer terms up to 60 months on autos one to four years old and up to 48 months for vehicles up to seven years old. 

Apply today, your way!


Auto Calculator

Credit Reports

Current URW Repossessions for Sale

Insurance Verification

The URW Discount Auto Buying Program – Enjoy pre-arranged pricing and no-haggle experience - Coming soon

On the Spot Financing

Payment Protection

Auto Insurance - Coming soon

NADA Values 


539 Arnett Boulevard
Danville, VA 24540

314 Lowes Drive
Danville, VA 24540

1901 Goodyear Boulevard
Danville, VA 24541

142 South Main Street
Danville, VA 24541

701 Broad Street
Danville, VA 24541

230 South Ridge Street
Danville, VA 24541

228 Cleveland Street
Danville, VA 24540

13701 US Highway 29, Suite I
Chatham, VA 24531

4018 Halifax Road
South Boston, VA 24592

1 High School Circle
South Boston, VA 24592

796 Commonwealth Boulevard
Martinsville, VA 24112

1092 NC Highway 86 N
Yanceyville, NC 27379

URW Routing Number: 251480482

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Equal Housing Lender
NMLS# 368135
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