Consumers Credit Union Auto Loans: Lending That Matches Your Car Goals

CCU Auto Loans are ideal for drivers seeking low rates, flexible terms, and added savings through autopay and dealer-connected discounts. 

Shopping for a car—new or used—can be stressful. Consumers Credit Union (CCU) makes it easier by combining low rates, flexible terms, and member-focused tools. CCU supports auto loans, refinancing, motorcycles, RVs—even private-party options are possible through its car-buying services. With competitive APRs, rate discounts for autopay and using their TrueCar-powered service, CCU helps drivers own their vehicles, not just finance them.

Why CCU Auto Loans Shine

• Competitive Low Rates
  APRs start around 4.49% with autopay, or even 3.99% using CCU’s car-buying platform.
• Flexible Loan Amounts & Terms
  Borrow anywhere from $250 to $500,000, with loan durations from 12 to 84 months—ideal for everything from small cars to big-ticket purchases.
• Rate Discounts Available
  Get 0.25% off for autopay, plus another 0.50% off when you buy through CCU’s dealership network.
• Same-Day Funding Possible
  Often, loans can fund on the same day if you act quickly—perfect for fast closings  .
• Skip Payments in Emergencies
  Members can skip up to two loan payments per year without fee (interest still accrues).
• Nationwide Access & Ownership
  CCU is open to anyone in the the U.S. Anyone may join with a $5 initial deposit, accessing these loan options.

What to Know Before Applying

1. Membership Required
   You must join CCU before completing a loan. Membership costs just $5.
2. Soft Credit Prequalification
   CCU lets you prequalify with a soft pull—no impact on your credit score.
3. APR Discounts Depend on Terms
   Lowest rates apply to newer vehicles (2023 or later) with terms up to around 60 months.
4. No Private-Party Loans (Direct)
   CCU doesn’t support private-party loans directly—but you can use its car-buying service to purchase from a dealer.
5. Co-borrowers Allowed
   You can apply with a co-borrower or co-signer to help with approval.
6. Grace Period & Late Fee
   CCU allows a 10-day grace period. Late fees around $29 apply after that.
7. Auto Loan Limits
   Eligible for purchases, refinancing, motorcycles, RVs, and commercial vehicles.

Step-by-Step: How CCU Auto Loans Work

1. Become a Member
   Join CCU online with a $5 deposit and minimal information.
2. Prequalify Online
   Enter your details and receive rate estimates without affecting credit.
3. Find a Vehicle
   Use CCU’s TrueCar-integrated service to locate cars with pre-negotiated pricing.
4. Apply Formally
   Finish your application, including co-borrowers if needed, and receive formal approval.
5. Get Funded
   CCU sends payment directly to the dealer—often same day.
6. Set Up Autopay
   Enroll to secure your rate discount and avoid missed payments.
7. Manage & Skip Payments
   Use online banking to make payments, and skip up to two per year if needed.
8. Refinance Later
   Once your credit improves, CCU offers easy refinance even for other lenders’ loans.

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