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Consumers Credit Union

Consumers Credit Union 2023 Auto loan review Published 2023-01-01 00:00:00

Writen by Rebecca Betterton Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She has a specialization in helping readers in navigating the ways and pitfalls of borrowing money to purchase a car.

Editor: Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate since late 2021. They are committed to helping readers gain confidence to take control of their finances by providing clear, well-researched information that breaks down otherwise complex subjects into bite-sized pieces.

Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our aim is to assist you make smarter financial decisions by providing you with interactive financial calculators and tools that provide objective and original content. This allows users to conduct research and compare information for free — so that you can make informed financial decisions. Bankrate has partnerships with issuers, including but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn money The products that appear on this website are provided by companies that pay us. This compensation could affect how and where products appear on this website, for example for instance, the sequence in which they appear in the listing categories in the event that they are not permitted by law for our mortgage, home equity and other products for home loans. But this compensation does not influence the content we publish or the reviews that you see on this site. We do not include the entire universe of businesses or financial offerings that could be accessible to you.

About our reviews Editorial disclosure: All reviews are prepared by our staff. The opinions expressed in them are only the opinions of the reviewer and have not been reviewed or accepted by any advertiser. The information, including rates and fees, presented in the review is accurate at the time of the review. Review the information at the top of this page as well as the lender’s website to find the most current details.

At a glimpse 4.1 Score: 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

Customer Experience Rating: 4.2 stars out of five

Transparency Rating: 4 stars out of 5

Find out about rates on auto loan rates

More about Consumers Credit Union Loan amount not specified

Min. credit score Not specified

APR from Starting at 5.24%

Funds available in Not specified

Pros and pros and Consumers Credit Union auto loans Before signing off on an application, think about the advantages and disadvantages of the Consumers Credit Union auto loan.

PROS In-person availability

TrueCar purchasing service

Preapproval available

CONS Undisclosed loan amounts

Membership requirement

Consumers Credit Union (CCU) is a credit union based on membership which offers used, new and auto refinance loans. Although you have to be an existing member, you can be accepted for only a $5 fee and a deposit of another $5 or more to one of its bank accounts. CCU has a variety of brick and mortar locations across the nation, the online registration process that allows drivers to search for and finance a vehicle.

Do you qualify? CCU doesn’t provide any particular criteria. However, the most favorable rates are usually offered to those with a good credit score, since credit score is the primary measure for approval by CCU. What we like and don’t like Though some loan specifics are not disclosed, CCU does offer many benefits and discounts to loan holders. We appreciate the availability in person. CCU has numerous branches across the country. TrueCar buying service. The partnered car-buying service helps to save money. In addition, you will be able to find the ideal vehicle and secured financing all in one place. Preapproved financing. Drivers can use the online tool for preapproval to verify the amount of financing without affecting the credit score of their clients. We don’t like unreported loan amounts. CCU does not release loan amounts for used, new and refinance loans. Membership requirements. You must be an existing member of CCU to be eligible for auto loan approval. How to contact Consumers Credit Union CCU offers assistance to its customers Monday through Friday between 8 a.m. to six p.m. CT and on Saturdays between 8 a.m. until 2 p.m. CT. In addition to assistance available via the phone, questions can be answered via secure messaging on the site.

Auto loan types offered Consumers Credit Union offers auto loans for used and new automobiles, as well as the option of refinancing your auto. New and used purchase loan

Loan quick facts Terms include: 36 to 84 months APR: From 4.94 percent

The financing of a new or used vehicle through CCU holds no minimum requirement and can be done on the internet and in person. If you decide to browse the available services for buying a car, you could enjoy additional savings. Prequalification is offered even if you choose not to utilize the car-buying services.

Refinance

Quick facts about loans Terms: 36 to 84 months APR: Starting at 4.94%

Refinancing is a great option to cut down on your monthly payment and get the best loan. You can also choose the shorter loan term than you currently need to pay the outstanding balance more quickly. Details regarding refinancing can be found by calling a loan expert at CCU. How to apply for a loan with Consumers Credit Union The loan application process is fully online, at one at one of CCU branches, or by phone. The process involves just five steps.

How to apply Submit the application. Complete the application via the internet or over the phone. You will need to provide your SSN as well as basic contact information. This process does not involve the pulling of a credit report. But, following approval you will go through an extensive credit review. Discuss details. You will be contact by an CCU agent who’ll explain rates and conditions. Find the perfect car. You now can begin your shopping with an idea of your monthly budget. The most competitive rates are available to those who use the Consumers Car Buying Service. If you’re refinancing, then you’ll need to provide information about your current loan. Complete documentation. After choosing a vehicle you will send the purchase agreement to CCU via email or by fax. After that, you need to accept the agreement on the internet or in an CCU branch. Funds are then transferred to the dealership. Then, CCU will send the loan check directly to the dealer, or you can pick it up yourself.

The information required to apply for a job is: Name Social Security number, birthdate and Social Security number Address Email address and phone number Employment information Income

Consumers Credit Union FAQs

Does Consumer Credit Union offer a rate discount if you enroll in autopay? Yes. Borrowers who opt for auto get an 0.25 percent rate reduction so that they can make an auto loan more affordable.

Does Consumer Credit Union offer extended warranties as well as guaranteed Asset Protection (GAP)? Consumer Credit Union does not provide extended warranties. However, it has partnered with ForeverCar to offer low-cost mechanical repair coverage for borrowers. However, borrowers can purchase GAP coverage directly through The credit union moment of purchase.

How Bankrate Rates Consumers Credit Union

Overall score

4.1

Availability

4.5

Although loan amounts are not made public, CCU offers three auto loan products that are available in all 50 states.

Affordability

3.8

CCU employs traditional acceptance criteria and has an APR that is middle of the road, however it CCU does not reveal the maximum amount of APR.

Customer experience

4.2

CCU offers a user-friendly website that provides every day of the week customer support with a variety of hours.

Transparency

4

CCU allows borrowers to get prequalified without a hard credit check but doesn’t list the entire loan details online.

Methodology Bankrate considers 18 data points when rating auto loan lenders. Criteria for acceptance, whether fees and rates are available and the range of APR all impact lender scores. These scores are split in four different categories. The availability of loans and repayment options, dealership requirements and state availability all make up this category. Affordability: This section houses APR ranges and acceptance criteria, along with fees and discounts. Customer experience: How long you’ll need to shop, the customer service availability, whether you have an app or autopay option are covered within this category. Transparency: This section accounts for the accessibility of rates and fees along with 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 are not checked or acknowledged by any advertising company. The information, including rates and fees that are included in the review is correct up to the date that the review was written. Check the data on the right, and the lender’s website to find the most current information.

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.

Editor: Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate since late 2021. They are committed to helping readers to control their finances with clear, well-researched information that breaks down otherwise complex subjects into digestible pieces.

Auto loans editor

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