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CommunityAmerica Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
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Fact checked

CommunityAmerica Credit Union auto loans overview

CommunityAmerica Credit Union logo

CommunityAmerica Credit Union (CACU) has over 250,000 members and 32 locations across Kansas City and St. Louis metro counties. To help members achieve their dream rides, CommunityAmerica offers a range of affordable loans. From new and used auto loans to first-time buyer loans, members can secure flexible financing and potential profit payout from CACU.

Want to see what a CACU auto loan will cost? Try the CommunityAmerica 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 CommunityAmerica Credit Union auto loan features

  • Minimum loan amount: $2,500 minimum for first-time buyers.
  • Maximum loan amount: $15,000 for first-time buyers.
  • Interest rates:Start at 6.19% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: Undisclosed.

COMMUNITYAMERICA CREDIT UNION LOAN OPTIONS

New and used auto loans

CACU offers workable financing options for new and used vehicles. For 6.19% APR, you can lock in vehicles with 2019 to 2023 model years. If you’re looking for 2015 to 2018 models, rates start as low as 6.69% APR.

First-time auto loan

Are you buying your first vehicle? CommunityAmerica also has auto loans tailored specifically for first-time buyers. You can secure your first car without needing a co-signer for as low as 15% APR. To avail of this offer, you need to loan at least $2,500, and you can finance up to $15,000. However, you should have limited or no credit experience.

Auto loan refinance

CommunityAmerica also allows members to switch their auto loans for as low as 7.44% APR. By refinancing your existing loan, you can finance up to $40,000 and boost your potential profit payout from CACU.

Boat, RV, and leisure loans

If you’re looking for recreational vehicles, CommunityAmerica Credit Union also provides choices for new and used RVs, boats, and ATVs. Starting at 7.94%, you can fund boats and RVs. For other sport and leisure vehicles, APRs start at 9.44%.

Motorcycle loans

CommunityAmerica also has tailored loans for your two-wheel ride. If you have your eyes set on Harley-Davidson motorcycles, you can get a loan for as low as 7.69% APR. But if you want to fund other motorcycle models, your interest rate may start at 8.19% APR.

CommunityAmerica Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
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Loan Amount

$25,000

Term

60 months

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CommunityAmerica Credit Union

CommunityAmerica Credit Union auto loan

CommunityAmerica Credit Union auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate CommunityAmerica Credit Union auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America 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 CommunityAmerica Credit Union auto loan

Eligibility criteria

Though CACU doesn’t list the particular requirements to get a car loan, you typically need to be:

  • A member of the CommunityAmerica Credit Union
  • At least 18 years old
  • Employed or have a steady source of income

While each financial institution differs in its criteria, an excellent credit score can boost your chances of getting a favorable loan. To qualify for the credit union’s best rates and flexible terms, consider checking and building your credit score.

How to join CACU

To become a CommunityAmerica member, you need to meet one of the following:

  • Live or work in Jackson, Cass, Clay, Platte, Douglas, Johnson, Jefferson, Leavenworth, Miami, Shawnee, or Wyandotte
  • Live or work in St. Louis County
  • A family member of a current or potential CACU member

What you’ll need to have ready:

When you apply for auto financing with CACU, 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 CommunityAmerica 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.

CACU may also require additional details and documents. Depending on your application, you may need to provide information on the vehicle, like its make, model, year, and mileage, too.

Ways to apply for a CommunityAmerica Credit Union auto loan:

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 913-905-7000

Additional CACU auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed, but it may take a few minutes to a few weeks based on your application.
  • Rate discounts: Possible lower interest rates for members in good credit standing.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Ways to repay: Online banking, mobile app, over the phone, in a branch, and by mail.
  • Hardship program: Undisclosed.

Vehicle restrictions and limitations

  • Maximum vehicle age: Undisclosed. But in general, you may finance vehicles up to 10 years old.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Several loan options – new and used auto loans, first-time auto loans, auto loan refinance, boat, RV, and leisure loans, and motorcycle loans.
  • Potential 3-month extension on auto loan terms.
  • Pre-approval available online.
  • No co-signers needed for first-time buyers.
  • Possible lower rates for borrowers with high credit scores.
  • Long loan terms.
  • Profit payout to members.
  • Many ways to apply – online, in person, and over the phone.
  • Easier car-buying experience with AutoSMART.

Cons

  • Limited to members of CACU.
  • Undisclosed loan fees.
  • Unspecified vehicle requirements and restrictions.

Frequently asked questions

How to pay auto loan on CommunityAmerica?

You can pay your car loan in five ways: through online banking, the mobile app, the phone, a branch, and mail.

How to apply for a CACU car loan?

You can apply online, in a branch near you, or over the phone.

How many pay slips does CommunityAmerica Credit Union require during my auto loan application?

CACU requires copies of your two most recent paystubs as proof of income.

What do you need to qualify for vehicle finance from CommunityAmerica?

When you apply, you need to prepare your driver’s license, government ID, or passport, Social Security number, residential address, and proof of income.

How much interest does CACU charge on auto loans?

Your annual percentage rate (APR) depends on many factors, like your creditworthiness, payment method, loan term, and loan amount. Model years 2019 to 2023 are as low as 6.19% APR, while model years 2015 to 2018 start at 6.69% APR

Will applying for a car loan with CommunityAmerica affect my credit score?

When you submit your application, CACU will make a hard credit check. In effect, this slightly impacts your credit score for a temporary period. But to build your credit, ensure you make timely monthly payments on your auto loan.

Video: CommunityAmerica Culture

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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