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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 with the ways and pitfalls of taking out loans to purchase an automobile.







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 passionate about helping readers gain confidence to manage their finances by providing precise, well-researched and well-researched content that break down complex topics into digestible chunks.









Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make better financial decisions by providing you with interactive tools and financial calculators as well as publishing original and objective content, by enabling users to conduct research and compare data for free - so that you can make financial decisions with confidence. Bankrate has partnerships with issuers, including but not restricted to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make money The products that appear on this site are from companies who pay us. This compensation can affect the way and where products are displayed on this site, including such things as the order in which they may be listed within the categories of listing in the event that they are not permitted by law. Our mortgage or home equity products, as well as other products for home loans. However, this compensation will affect the content we publish or the reviews appear on this website. We do not cover 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. Opinions expressed therein are solely those of the reviewer and are not reviewed or accepted by any advertiser. The information, including rates and fees provided in the review is accurate up to the date when the review first appeared. Check the data at the top of this page as well as the lender's website for the most up-to-date details.








A glance 4.1 rating: 4.1 stars out of five
Score of the Bankrate

Available Rating: 4.5 stars out of 5
Affordability Rating: 3.8 stars out of 5
The Customer Service Rating is 4.2 stars out of five
Transparency Rating 4 stars out of 5


Check auto loan rates


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



Pros and cons of Consumers Credit Union auto loans Before approving an application, consider 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 is a requirement





Consumers Credit Union (CCU) is a membership-based credit union that provides used, new or auto refinance loans. Although you have to be an existing member, you can be accepted for only $5 and a deposit of another $5 or more to one of its bank accounts. CCU has a variety of brick and mortar locations throughout the United States, along and an application online procedure that allows drivers to shop for and finance their car.
Do you qualify? CCU doesn't provide any particular criteria. However, the highest rates are typically offered to those with a good credit score, since credit is used as the main factor in determining approval by CCU. What we like and what we dislike. Although certain loan details aren't disclosed, CCU does offer many benefits and discounts to loan holders. We like the convenience of in-person access. CCU has numerous branches throughout the United States. TrueCar buying service. The partnered car-buying service helps to save money. Additionally, you can locate the ideal car and secure financing all in one location. Preapproved financing. Drivers can use the online tool to check financing figures without impacting their scores on credit. We are not a fan of unpublished loan amounts. CCU does not release loan amounts for used, new and refinance loans. Membership prerequisites. You must be an active member of CCU to gain an auto loan approval. Contact details Consumers Credit Union CCU offers assistance to its customers from Monday through Friday from 8 a.m. to six p.m. CT and on Saturdays between 8 a.m. to 2 p.m. CT. Alongside assistance over the phone, questions can be answered via secure messaging on the website.
Auto loan types offered Consumers Credit Union offers auto loans for used and new vehicles along with the option of refinancing your auto. Used and new purchase loan
The loan quick facts are range from 36 to 84 month APR: Beginning at 4.94 percent


Finance for a brand new or used car through CCU holds no minimum requirement and can be done online or in person. If you decide to use the vehicle buying service, you will benefit from additional savings. Prequalification is possible regardless of whether you decide to make use of the car buying service.
Refinance
Loan quick facts Terms: 36 to 84 months APR: From 4.94%


Refinancing is a great option to cut down on your monthly payment and leave with a better loan. It is also possible to opt for a shorter loan duration than the one you currently have to pay your outstanding balance more quickly. Specifics regarding the refinance process are available by calling an loan professional with CCU. How to apply for a loan through Consumers Credit Union The loan application process is fully online, at one at one of CCU branches or by phone. The process takes five simple steps.
How to apply Submit the application. Fill out the application either via the internet or over the phone. You will need to provide your SSN along with basic contact information. This is not 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 rep who'll explain rates and conditions. Shop for your vehicle. Now is the time to begin your shopping with an idea of your monthly budget. The most competitive rates are available to customers who utilize this Consumers Car Buying Service. If you're refinancing, you'll need to provide information about the current loan. Complete documentation. After choosing a vehicle you must send the purchase agreement to CCU by email or via fax. After that, you need to confirm the purchase agreement online or at an CCU branch. Funds provided to the dealership. Then, CCU will send the loan check directly to the dealer, or you can pick it up yourself.


Information required for application: Application information: Name, Social Security number, birthdate and Social Security number Address Email address and telephone number Employment information Information on 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 the benefit of a 0.25 percent rate cut in order to help make the auto loan more affordable.



Does Consumer Credit Union offer extended warranties and guarantee asset protection (GAP)? Consumer Credit Union does not offer extended warranties, but it is partnered with ForeverCar to provide affordable repair services for those who borrow. However, customers can purchase GAP coverage directly through the credit union at time of the purchase.



What is the procedure? Bankrate rates Consumers Credit Union
Overall score
4.1
Availability
4.5
While loan amounts aren't disclosed, CCU offers three auto loan products across every state in the 50 states.
Affordability
3.8
CCU uses traditional acceptance criteria. It has an APR that is middle of the road, however it does not disclose the maximum amount of APR.
Customer experience
4.2
CCU has an easy-to-navigate 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 however, it doesn't provide the entire loan details online.


Methodology Bankrate considers 18 data points when rating auto loan lenders. Acceptance criteria, rates and fees are offered and the APR range all affect lender scores. These scores are broken up in four different categories. The availability of loans, repayment options, dealership requirements and availability to state contribute to this category. Affordability: This section contains APR ranges and acceptance criteria, as well as discounts and fees. Customer experience: How long you're required to spend shopping, customer service accessibility, and whether there's an app and autopay availability are all covered by this segment. Transparency: This category is responsible for the accessibility of rates and fees and whether prequalification is available.
Disclaimer: All reviews are prepared by Bankrate.com staff. Opinions expressed therein are solely the opinions of the reviewer and are not checked or acknowledged by any advertising company. The information that is included, including rates and fees, presented in the review are accurate at the time that the review was written. Review the information at the top of this page as well as the lender's site for the most current details.




Written by
Rebecca Betterton
Auto Loans Reporter


Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in assisting readers to navigate the ways and pitfalls of using loans to buy the car they want.
The edit was done by Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate since late 2021. They are passionate about helping readers to control their finances through providing concise, well-studied data that makes otherwise complex topics into manageable bites.






Auto loans editor










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