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Consumers Credit Union
Consumers Credit Union 2023 Auto loan review, published 2023-01-01 at 00:00:00.
Writen by Rebecca Betterton Written by Auto Loans Reporter
Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers with the ins and outs of securely borrowing money to purchase a car.
Edited by Rhys Subitch Edited by Auto loans editor
Rhys has been writing and editing for Bankrate since the end of 2021. They are passionate about helping readers gain the confidence to take control of their finances by providing concise, well-researched, and clear information that breaks down complicated subjects into bite-sized pieces.
Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make better financial decisions by offering interactive tools and financial calculators, publishing original and objective content. We also allow you to conduct research and compare data for free — so that you can make informed financial decisions. Bankrate has partnerships with issuers such as, but not limited to American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The offers that appear on this site are from companies that pay us. This compensation could affect how and when products are featured on this site, including, for example, the order in which they may appear within the listing categories in the event that they are not permitted by law. Our mortgage home equity, mortgage and other home loan products. This compensation, however, does not influence the content we publish or the reviews that appear on this website. We do not include the universe of companies or financial offers that may be available to you.
About our reviews Editorial disclosure: All reviews are prepared by our staff. Opinions expressed therein are solely the opinions of the reviewer and have not been reviewed nor approved by any advertising company. The information such as rates and charges that are included in the review is correct at the time when the review first appeared. Check the data in the upper right hand corner of the page, and the lender’s website to find the most recent details.
A look 4.1 rating: 4.1 stars out of 5
Score of the Bankrate
Available Rating: 4.5 stars out of 5
The Affordability Score: 3.8 stars out of 5
The Customer Service Rating is 4.2 5 stars from five
Transparency Rating: 4 stars out of 5
Find out about rates for auto loan rates
About Consumers Credit Union Loan amount not specified
Min. credit score Unspecified
APR from Starting at 5.24%
Funds available in Not specified
Pros and cons of Consumers Credit Union auto loans Before you sign off on an application, consider the advantages and disadvantages of a Consumers Credit Union auto loan.
PROS In-person availability
TrueCar is a buying service for TrueCar
Preapproval available
CONS Undisclosed loan amounts
The requirement for membership
Consumers Credit Union (CCU) is a membership-based credit union which offers used, new and auto refinance loans. While you must be a member, acceptance is only a $5 fee and a deposit of another $5 or more in any of their bank accounts. CCU has many brick-and-mortar establishments across the nation, and an application online procedure that allows drivers to shop for and finance their vehicle.
Do you qualify? CCU does not provide specific conditions. However, the highest rates are usually offered to those with a good credit score since credit score is the primary factor for acceptance by CCU. What we like and what don’t like Though some loan details aren’t disclosed, CCU does offer many benefits and discounts to loan holders. What we like In-person availability. CCU has multiple branches across the nation. TrueCar purchasing service. The partnered car-buying service helps to save money. Additionally, you can locate the ideal car and secure financing at one time. Preapproved financing. Drivers can use the online tool to check financing figures without affecting their credit scores. We are not a fan of unpublished loan amounts. CCU doesn’t disclose loan amounts for new, used as well as refinance loans. Membership prerequisites. You must be a member of CCU to be eligible for auto loan approval. Contact details Consumers Credit Union CCU offers assistance to customers Monday through Friday from 8 a.m. until 6:30 p.m. CT and on Saturdays from 8 a.m. until two p.m. CT. Along with help available over the phone, any questions are answered through secure messaging via the website.
Auto loan types available Consumers Credit Union offers auto loans for both used and new vehicles , in addition to the option of refinancing your auto. Used and new purchase loan
Quick facts about loans Terms range from 36 to 84 month APR: Beginning at 4.94%
Financing for a new or used vehicle through CCU does not require a minimum amount and can be done online or in person. If you decide to browse the available car-buying service, you can get additional savings. Prequalification is possible regardless of whether you decide to make use of the car buying service.
Refinance
Quick facts about loans Terms range from 36 to 84 month APR: Starting at 4.94%
Refinancing can be a fantastic method to reduce your monthly payments and get a better loan. It is also possible to select the shorter loan duration than the one you currently must pay off your outstanding balance faster. The specifics of refinancing are available by contacting a loan professional with CCU. How to apply for an loan through Consumers Credit Union The loan application process is completely online, in one of the CCU branches, or by phone. The process takes five simple steps.
Steps to apply Submit the application. Complete the application online or over the phone. You will need to provide your SSN along with basic information about your contact. This step does not include the pulling of a credit report. However, if you are approved the applicant will be subjected to an entire credit report. Discuss details. You will be contact by a CCU agent who’ll explain rates and conditions. Look for a car. You now can begin your search by forming an estimate of your monthly budget. The most competitive rates are available to drivers that utilize this Consumers Car Buying Service. If you’re refinancing, you’ll be required to disclose information regarding the current loan. Complete documentation. Once you’ve decided to purchase a car, you’ll need to transmit the purchase agreement to CCU via email or via fax. Then you must accept the agreement on the internet or in a CCU branch. Funds provided to the dealership. Finally, CCU will send the loan check directly to the dealer, or you may pick it up yourself.
Required application information The name Social Security Number and birthdate Address Email address and phone number Employment information Income
Consumers Credit Union FAQs
Does Consumer Credit Union offer a rate reduction if you are enrolled in autopay? Yes. Auto loan applicants receive the benefit of a 0.25 percent reduction in rate so that they can make an auto loan more affordable.
Do Consumer Credit Union offer extended warranties and guarantee assets protection (GAP)? Consumer Credit Union does not provide extended warranties, however it is partnered with ForeverCar to offer low-cost mechanical repair insurance to borrowers. However, the borrowers are able to purchase GAP coverage directly through Credit Union at time of the purchase.
What is the procedure? Bankrate rates Consumers Credit Union
Overall score
4.1
The availability
4.5
Even though loan amount are not publicly publicized, CCU offers three auto loan products in every state in the 50 states.
Affordability
3.8
CCU employs traditional acceptance criteria and has a middle-of-the-road minimum APR but CCU does not reveal its maximum APR.
Customer experience
4.2
CCU offers a user-friendly website that offers every day of the week customer service that is available in a variety of hours.
Transparency
4
CCU lets borrowers get prequalified without a hard credit test but doesn’t list all of its loan data online.
Methodology Bankrate considers 18 data points when evaluating auto loan lenders. Acceptance criteria, fees and rates are available and the range of APR all impact lender scores. The scores are divided in to four groups. The availability of loans, repayment options, dealership requirements, and availability in the state all make up this section. Affordability: This section houses APR ranges, acceptance criteria, fees and discounts. Customer experience: The length of time you have to spend shopping, customer service availability, whether there’s an app and autopay availability are covered within this category. Transparency: This category accounts for the accessibility of rates and fees and whether or not prequalification is offered.
Disclosure of author The reviews are written by Bankrate.com staff. The opinions expressed in the review are only those of the reviewer and have not been evaluated or accepted by any advertiser. The information, including rates and fees, presented in the review is correct at the time that the review was written. Review the information on the right as well as the lender’s website for the most current details.
Written by
Rebecca Betterton
Auto Loans Reporter
Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers in navigating the ways and pitfalls of using loans to buy a car.
The edit was done by Rhys Subitch Edited by Auto loans editor
Rhys has been editing and writing for Bankrate since the end of 2021. They are committed to helping readers to take control of their finances through providing precise, well-researched and precise data that makes complicated topics into bite-sized pieces.
Auto loans editor
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