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Consumers Credit Union

Consumers Credit Union: 2023 Auto loan review, published 2023-01-01 at 00:00:00.

Written by Rebecca Betterton Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in assisting readers to navigate the ins and outs of securely borrowing money to purchase an automobile.

Editor: Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate since late 2021. They are passionate about helping readers gain the confidence to manage their finances by providing precise, well-researched and well-researched content that breaks down complicated topics into digestible chunks.

Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make better financial decisions by offering interactive tools and financial calculators as well as publishing original and objective content, by enabling you to conduct research and compare data for free and help you make financial decisions with confidence. Bankrate has partnerships with issuers including, but not limited to American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The deals that are displayed on this site are from companies that pay us. This compensation can affect the way and where products are displayed on this website, for example for instance, the order in which they may appear in the listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. This compensation, however, does have no impact on the information we provide, or the reviews that you see on this site. We do not include the universe of companies or financial deals that could be accessible to you.

About our reviews . Editorial disclosure Reviewers are supervised by our staff. The opinions expressed in them are only the opinions of the reviewer and are not reviewed or accepted by any advertiser. The information such as rates and charges provided in the review is accurate at the time when the review first appeared. Review the information in the upper right hand corner of the page, and the lender’s website for the most recent details.

At a glimpse 4.1 Score: 4.1 stars out of 5

Bankrate Score

Available Rating: 4.5 stars out of 5

The Affordability Score: 3.8 stars out of five

The Customer Service Rating is 4.2 5 stars from 5

Transparency Rating 4 stars out of 5

Check rates for auto loan rates

More about Consumers Credit Union Loan amount Unknown

Min. credit score Not specified

APR from Starting at 5.24%

Funds available in Unspecified

Pros and pros and Consumers Credit Union auto loans Before you sign off on an application, think about the benefits and drawbacks associated with the Consumers Credit Union auto loan.

PROS In-person availability

TrueCar is a buying service for TrueCar

Preapproval available

CONS Unknown loan amounts

Membership requirement

Consumers Credit Union (CCU) is a membership-based credit union that offers new, used and auto refinance loans. If you are an existing member, you can be accepted for only a $5 fee and a deposit of another $5 or more in one of its bank accounts. CCU has many brick-and-mortar establishments across the nation, the online registration procedure which allows customers to purchase and finance their vehicle.

Do you qualify? CCU does not disclose any specific requirements. However, the most favorable rates are usually offered to those with a good credit history, as credit is used as the primary measure for approval with CCU. Our favorite things and what we do not like Although some loan particulars aren’t made public, CCU does offer many benefits and discounts to loan holders. What we like In-person availability. CCU has numerous branches throughout the United States. TrueCar buying service. The car buying service that is partnered with TrueCar helps to save money. Plus, you can find the ideal vehicle and secure financing all at one time. Preapproved financing. Drivers can access the online tool for preapproval to verify the amount of financing without affecting their credit scores. We don’t like unreported loan amounts. CCU doesn’t disclose loan amounts for used, new as well as refinance loans. Membership requirements. You must be a member of CCU to gain the auto loan approval. Contact information Consumers Credit Union CCU offers assistance to its customers every day from 8 a.m. until six p.m. CT and on Saturdays between 8 a.m. until 2.30 p.m. CT. Along with help available over the phone, queries 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 an auto refinance option. Used and new purchases are eligible for loan

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

The financing of a new or used vehicle through CCU holds no minimum requirement and can be completed either online as well as in-person. If you choose to shop through the available services for buying a car, you could get additional savings. Prequalification is available even if you decide not to utilize the car-buying services.

Refinance

Quick facts about loans Terms range from 36 to 84 month APR: From 4.94%

Refinancing can be a fantastic method to reduce your monthly payments and get a better loan. Or you can opt for the shorter loan duration than the one you currently need to pay the outstanding balance more quickly. Specifics regarding the refinance process can be found by contacting an loan professional at CCU. How to apply for a loan with Consumers Credit Union The loan application procedure can be completed fully online, at any or more CCU branches, or by phone. The process is a simple five steps.

Steps to apply Submit the application. Fill out the application either on the internet or by phone. It is required to provide your SSN along with basic contact details. This step does not include a hard credit pull. However, if you are approved, you will undergo a full credit check. Discuss details. You will be contact by an CCU rep who’ll explain available rates and terms. Find the perfect car. You now can begin your search by forming an estimate of your monthly budget. The best rates are offered to those who use the Consumers Car Buying Service. If you’re looking to refinance, you’ll be required to disclose information regarding the current loan. Complete documentation. When you have decided on a car, you must send the purchase agreement to CCU by email or by fax. After that, you need to accept the agreement online or at the CCU branch. Funds are then transferred to the dealership. In the end, CCU will send the loan check directly to the dealer, or you can collect it yourself.

The information required to apply for a job is: The name Social Security Number and birth date Address Email address, as well as phone number Information about income

Consumers Credit Union FAQs

Do Consumer Credit Union offer a rate discount if you enroll in autopay? Yes. Auto loan applicants get the benefit of a 0.25 percent reduction in rate so that they can make an auto loan less expensive.

Do Consumer Credit Union offer extended warranties as well as guarantee assets protection (GAP)? Consumer Credit Union does not offer extended warranties, but it is partnered with ForeverCar to offer affordable mechanical repair coverage for borrowers. However, customers can purchase GAP coverage directly through the credit union at the moment of purchase.

What is the procedure? Bankrate rates Consumers Credit Union

Overall score

4.1

Accessibility

4.5

While loan amount are not publicly made public, CCU offers three auto loan products in all 50 states.

Affordability

3.8

CCU utilizes the traditional acceptance criteria. It has an APR that is middle of the road, however it doesn’t disclose the maximum amount of APR.

Customer experience

4.2

CCU offers an easy-to-use website that provides every day of the week customer service with a range of hours.

Transparency

4

CCU lets borrowers get prequalified without a hard credit check but doesn’t list all of its loan information online.

Methodology Bankrate considers 18 data points when evaluating auto loan lenders. Acceptance criteria, whether rates and fees are offered and APR range all influence lender scores. These scores are broken up in to four groups. Availability : Loan amounts and repayment options, dealership requirements and state availability all contribute to this category. Accessibility: This section includes APR ranges and acceptance criteria, along with discounts and fees. Customer experience: The length of time you have to shop, customer service accessibility, and whether there’s an app or autopay available are accounted for in this section. Transparency: This section accounts for the accessibility of rates and fees and the availability of prequalification.

Disclaimer The reviews are written by Bankrate.com staff. Opinions expressed therein are solely those of the reviewer , and have not been checked or accepted by any advertising company. The information, including rates and fees provided in the review is correct as of the date that the review was written. Review the information in the upper right hand corner of the page and the lender’s site for the most recent 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 taking out loans to buy the car they want.

Edited by Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate since late 2021. They are dedicated to helping their readers feel confident to manage their finances by providing precise, well-researched and precise information that breaks down complex topics into manageable bites.

Auto loans editor

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How we make money Bankrate.com is an independent, advertising-supported publisher and comparison service. We receive compensation for the promotion of sponsored goods and, services, or when you click on specific links on our website. Therefore, this compensation may impact how, where and when products are displayed within the listing categories, with the exception of those it is prohibited by law for our mortgage home equity, mortgage and other home lending products. Other elements, like our own proprietary website rules and whether or not a product is offered in the area you reside in or is within your own personal credit score could also affect how and where products appear on this website. We strive to offer an array of offers, Bankrate does not include information about every credit or financial product or service. Bankrate, LLC NMLS ID# 1427381 | BR Tech Services, Inc. NMLS ID #1743443 |

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