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Clearview Federal Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Updated 13 October 2023
Fact checked

A quick review of Clearview Federal Credit Union auto loans

Clearview Federal Credit Union logo

Whether you’re searching for your first car or upgrading your ride, Clearview Federal Credit Union has competitive auto financing options. Members can buy, refinance, or lease pre-owned and used vehicles – cars, motorcycles, boats, or RVs. Plus, Clearview FCU members can enjoy discounted rates and quick loan approval.

Want to see what a Clearview FCU auto loan will cost? Try the Clearview Federal Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key Clearview Federal Credit Union auto loan features

  • Minimum loan amount: $35,000 for an 84-month term to qualify for a low rate.
  • Maximum loan amount: Undisclosed.
  • Interest rates: Start as low as 5.99% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: No fees during the auto loan application process.
  • Discounts: 0.25% discounts with autopay.

Clearview Federal Credit Union loan options

New and used vehicle financing

Clearview FCU provides affordable financing and refinancing options to its members. You can finance 2019 to 2023 model vehicles at 5.99% APR for 36 months. If you’re after 84-month loan terms, rates start at 7.79% APR with a minimum loan of $35,000. But for older vehicles, 2016 to 2018 models start as low as 6.50% APR, while 2013 to 2015 models start at 7.44%.

Powersport loans

You can also lock in loans specifically for new and used motorcycles, power sports, RVs, and boats. For 2019 to 2023 models, rates can be as low as 8.89% APR, and terms can stretch up to 120 months. If you want to fund 2013 to 2018 models, rates start at 9.99% APR.

Clearview Federal Credit Union auto loan calculator

Loan Amount

$25,000

Term

60 months

Clearview Federal Credit Union

Clearview Federal Credit Union auto loan

Estimated Month Repayments
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
Get a low interest rate Clearview Federal Credit Union auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a Clearview Federal Credit Union auto loan

Eligibility criteria

While Clearview FCU doesn’t indicate the specific criteria for auto financing, you commonly need to:

  • Be a member of the Clearview Federal Credit Union
  • Be at least 18 years old
  • Be employed or have a steady source of income

Other than the criteria, it pays to have an idea about how to get an auto loan, too. This will help you know what to expect and prepare so that your application process goes smoothly.

How to join Clearview FCU

You need to meet at least one of the following to qualify for Clearview Credit Union membership:

  • Live, work, worship, attend school, or volunteer in Allegheny, Armstrong, Beaver, Butler, Fayette, Greene, Indiana, Lawrence, Washington, or Westmoreland
  • An immediate relative of a potential or current Clearview Federal Credit Union member
  • Live in the same residence and maintain a single economic unit with a current Clearview member

What you’ll need to have ready:

When you apply for auto financing with Clearview FCU, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

You may need to provide Clearview Credit Union with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

Each application and financial institution is unique. So, Clearview FCU may require more details and/or documents based on your situation. For instance, you may need to indicate the make, model, year, mileage, and vehicle identification number (VIN) of your vehicle, too.
 

Ways to apply for a Clearview Federal Credit Union auto loan:

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 1-800-926-0003

Additional Clearview FCU auto loan details

  • Automatic payment: Available.
  • Loan approval times: Within 24 hours. In many cases, Clearview can make the loan decision on the spot.
  • Rate discounts: 0.25% discounts for members using autopay.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Ways to repay: Online banking, mobile app, Make a Payment portal, ACH options, by mail, over the phone, and in-person.
  • Hardship program: Undisclosed.

Vehicle restrictions and limitations

  • Maximum vehicle age: 2013.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Undisclosed.

Pros and cons

Pros

  • Loan approval within 24 hours.
  • Competitive interest rates as low as 5.99% APR.
  • Long loan terms stretch up to 84 months.
  • Several payment methods: Online banking, mobile app, online portal, ACH options, by mail, over the phone, and in-person.
  • Low rates from partner dealerships.
  • Online pre-approval available.
  • Different loan options – new and used auto loans, refinance, lease buyouts, and power sport loans.
  • Lease buyout and refinancing available.
  • Online member auto center to help you search for new and used vehicles, build your own car, and receive local dealer price quotes.

Cons

  • Undisclosed maximum loan amount.
  • $35,000 minimum loan amount for an 84-month term auto loan
  • Unspecified vehicle mileage restrictions.
  • Low credit scores may result in higher rates.

Frequently asked questions

How long does Clearview Credit Union take to approve vehicle finance?

You may get the loan decision within 24 hours. Usually, Clearview FCU may approve loan applications instantly.

Are Clearview FCU auto loan interest rates fixed or variable?

Clearview Federal Credit Union offers low fixed-rate car loans.

What is the maximum length of a Clearview Federal Credit Union auto loan?

Clearview FCU offers financing options for up to 84 months.

Does Clearview FCU refinance car loans?

Yes. You can refinance auto loans. Clearview offers lease buyouts as well.

How to apply for a car loan at Clearview?

If you’re a new member, you can submit your loan application online, visit a branch, call 1-800-926-0003, or set up a video call. But if you’re already a member, you can select the “Add Product” option from your digital banking or “My offers” if you’ve been pre-approved.

How do I pay my Clearview Credit Union auto loan?

There are different ways to pay your car loan. You can pay through online banking, mobile app, Make a Payment Portal, ACH options, by mail, over the phone, and in-person.

How much interest does Clearview Federal Credit Union charge on auto loans?

Remember that your interest rate is subject to credit approval. For 2019 to 2023 model years, you can get a rate as low as 5.99% APR. Then, rates start at 6.50% APR for 2016 to 2018 model years.

Video: Auto loan | Clearview Federal Credit Union


Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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