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Consumers Credit Union
Consumers Credit Union auto loan review Published 2023-01-01 00:00:00
Written by Rebecca Betterton Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers in navigating the details of using loans to buy the car they want.







Editor: Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate from late 2021. They are committed to helping readers gain confidence to control their finances with concise, well-researched, and clear information that breaks down complicated topics into digestible chunks.









Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our aim is to assist you make better financial choices by offering interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and analyze data for no cost to 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 products that appear on this website are provided by companies who pay us. This compensation may impact how and when products are featured on the site, such as such things as the sequence in which they appear within the listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. However, this compensation will not influence the information we provide, or the reviews that appear on this website. We do not contain the entire universe of businesses or financial offerings that could be available 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 have not been reviewed nor approved by any advertising company. The information such as rates and charges provided in the review are accurate at the time that the review was written. Look over the information in the upper right hand corner of the page as well as the lender's site for the most recent details.








At a look 4.1 Rating: 4.1 stars out of five
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 stars out of five
Transparency Rating 4 stars out of 5


Find out about rates for auto loan rates


Information about Consumers Credit Union Loan amount not specified
Min. credit score Not specified
APR starting at 5.24%
Funds available in Not specified



Pros and pros and Consumers Credit Union auto loans Before approving an application, think about the benefits and drawbacks associated with a Consumers Credit Union auto loan.
PROS In-person availability
TrueCar buying service
Preapproval available

CONS Unknown loan amounts
Membership requirement





Consumers Credit Union (CCU) is a member-owned credit union that provides used, new and auto refinance loans. If you are an active member, the acceptance process is just a $5 cost and a deposit of $5 or more into one of its bank accounts. CCU has a variety of brick and mortar locations across the nation, the online registration procedure that allows drivers to search for and finance a vehicle.
Do you qualify? CCU does not disclose any particular requirements. However, the most favorable rates are generally given to drivers with a strong credit score since credit is used as the primary measure for approval with CCU. What we like and what do not like Although some loan details aren't disclosed, CCU does offer many benefits and discounts to loan holders. We appreciate the availability in person. CCU has multiple branches across the nation. 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 at one time. Preapproved financing. Drivers can utilize the online preapproval tool to check financing figures without impacting their credit scores. We are not a fan of unpublished loan amounts. CCU doesn't disclose loan amounts for used, new and refinance loans. Membership prerequisites. You must be a member of CCU in order to get auto loan approval. Contact details Consumers Credit Union CCU offers assistance to customers Monday through Friday from 8 a.m. to six p.m. CT and on Saturdays from 8 a.m. until 2 p.m. CT. In addition to assistance available via the phone, queries are answered through secure messaging on the website.
Auto loan kinds offered Consumers Credit Union offers auto loans for both used and new vehicles , in addition to an auto refinance option. Used and new purchases are eligible for loan
The loan quick facts are: 36 to 84 months APR: Beginning at 4.94 percent


The financing of a new or used car through CCU holds no minimum requirement and can be completed either online as well as in-person. If you decide to use the services for buying a car, you could benefit from additional savings. Prequalification is offered regardless of whether you decide to utilize the car-buying services.
Refinance
The loan quick facts are: 36 to 84 months APR: Starting at 4.94 percent


Refinancing can be a fantastic way to save money on your monthly payments and get a better loan. Or you can choose a shorter loan term than you currently need to pay the outstanding balance off faster. Details regarding refinancing can be found by contact 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 over the phone. The process takes five simple steps.
Steps to apply Submit your application. Complete the application via the internet or over the phone. You will need to provide your SSN and basic information about your contact. This step does not include a hard credit pull. But, following approval the applicant will be subjected to an extensive credit review. Discuss details. You will be contact by an CCU agent who'll share rates and conditions. Look for a car. Now is the time to begin your shopping with an idea of your expected monthly payments. The best rates are offered to drivers that utilize this 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 fax. After that, you need to confirm the purchase agreement online or at a CCU branch. Funds are then transferred to the dealership. Then, CCU will send the loan check directly to the dealer, or you may pick it up yourself.


Information required for application: The name Social Security Number, birthdate and Social Security number 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. The auto loan borrowers get a 0.25 percent reduction in rate in order to help make the auto loan less expensive.



Does Consumer Credit Union offer extended warranties and guaranteed assets protection (GAP)? Consumer Credit Union does not provide extended warranties. However, it has partnered with ForeverCar to provide affordable mechanical repair insurance for those who borrow. However, the borrowers are able to purchase GAP coverage directly through the credit union at the moment of the purchase.



How Bankrate rates Consumers Credit Union
Overall score
4.1
The availability
4.5
Although loan amounts are not disclosed, CCU offers three auto loan products that are available in all 50 states.
Affordability
3.8
CCU uses traditional acceptance criteria and holds 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 support with a variety of hours.
Transparency
4
CCU lets borrowers get prequalified without a hard credit test but doesn't list all of its loan information online.


Methodology Bankrate considers 18 data points when evaluating auto loan lenders. Acceptance criteria, whether fees and rates are available and APR range all influence lender scores. The scores are divided in four different categories. Availability : Loan amounts, repayment options, dealership requirements and state availability all contribute to this section. Affordability: This section contains APR ranges and acceptance criteria, along with fees and discounts. Customer experience: The length of time you'll need to shop, customer service availability, whether there's an app or autopay option are all covered by this segment. Transparency: This category is responsible for the accessibility of rates and fees and whether or not prequalification is offered.
Disclosure of author Reviewers are supervised by Bankrate.com staff. Opinions expressed therein are solely those of the reviewer , and have not been reviewed or acknowledged by any advertiser. The information, including rates and fees that are included in the review is accurate up to the date that the review was written. Check the data in the upper right hand corner of the page as well as the lender's website for the most recent 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 ins and outs of securely taking out loans to buy an automobile.
The edit was done by Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate from late 2021. They are committed to helping readers gain the confidence to take control of their finances by providing clear, well-researched information that breaks down complex topics into manageable bites.






Auto loans editor










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