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Credit Union 1 Alaska Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 23 October 2023
Fact checked

A quick review of Credit Union 1 Alaska auto loans

Credit Union 1 Alaska logo
With growing services for over 70 years, Credit Union 1 Alaska (CU1) has tailored auto loan options for a variety of vehicles. Members can pick from a range of new and used cars and trucks to ATVs and boats. From Nome to Ketchikan, CU1 opens its 12 branches statewide to anyone who lives or works in Alaska.

Want to see what a CU1 auto loan will cost? Try the Credit Union 1 Alaska 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 Credit Union 1 Alaska auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: $250,000.
  • Interest rates: As low as 6.25% APR.
  • Loan terms: Undisclosed.
  • Loan fees: No application fees.
  • Discounts: Special interest rate discount with autopay.

CREDIT UNION 1 ALASKA LOAN OPTIONS

New and used auto loans

CU1 allows auto loan financing and refinancing of new and used cars and trucks. Rates start at 6.25% APR, and you can fund your auto loan for up to $250,000. To know the available loan terms, you can get prequalified online without impacting your credit score.

ATV, watercraft, and snowmachine loans

To make your outdoor adventures more fun, Credit Union 1 also has loan options for ATVs, personal watercraft, and snowmachines. You can secure up to 125% financing for as low as 6.50% APR.

Camper, RV, and trailer loans

Credit Union 1 also has tailored financing for campers, RVs, and trailers. With this type of loan, you can lock in rates starting at 6.75% APR. Plus, you can finance up to 100% of the purchase price with a maximum loan amount of $250,000.

Boat loans

If you want to finance new or used boats, CU1 also has flexible options you can choose from. APRs start at 7%, and you can borrow up to $250,000. You can also extend your loan term to up to 240 months depending on your loan amount.

Motorcycle loans

CU1 provides loans specifically for motorcycles, too. You can loan up to $50,000 for as low as 6.50% APR.

Credit Union 1 Alaska auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

Change
Credit Union 1 Alaska

Credit Union 1 Alaska auto loan

Credit Union 1 Alaska 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 Credit Union 1 Alaska 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 Credit Union 1 Alaska auto loan

Eligibility criteria

Although Credit Union 1 doesn’t list the particular requirements, you commonly need to be:

  • A member of Credit Union 1 Alaska
  • 18 years old or older
  • Employed or have a reliable source of income

Each financial institution differs in its credit criteria for vehicle financing. Nonetheless, building a good credit score can open opportunities for you. Through this, you can qualify for more ideal interest rates and terms to help you save more over the life of the loan.

What you’ll need to have ready:

When you apply for auto financing with Credit Union 1, 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 CU1 Alaska 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.

Remember that Credit Union 1 may ask for additional details depending on your application. For example, you may need to provide information on the vehicle, too. This can be the make, model, year, miles, and vehicle identification number (VIN).

Ways to apply for a Credit Union 1 Alaska auto loan:

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call (800) 478-2222

Additional Credit Union 1 auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed. However, credit unions may take a few minutes to a few weeks depending on your application.
  • Rate discounts: Rate discounts for members who set up autopay.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Ways to repay: Online banking, mobile banking, over the phone, in a branch, and by mail.
  • Hardship program: Available. Find out your options here.

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

  • High maximum loan amount ($250,000).
  • No application fees.
  • Competitive interest rates.
  • Different vehicle options – new and used cars, trucks, boats, RVs, travel trailers, campers, motorcycles, watercraft, snowmachines, ATVs, and more.
  • Prequalification and pre-approval available.
  • Possible better rates and longer terms for members in good credit standing.
  • Several payment methods – online banking, mobile banking, over the phone, in person, and by mail.
  • Optional loan protection programs available, including guaranteed asset protection (GAP), mechanical breakdown protection, and debt protection.

Cons

  • Undisclosed loan terms.
  • Restricted to CU1 Alaska members.
  • Unspecified vehicle requirements and limitations.
  • Applicants with poor credit scores may get higher rates.

Frequently asked questions

How to join Credit Union 1 Alaska?

To be eligible for CU1 membership, you need to live or work in Alaska.

Can I apply for a CU1 car loan online?

Yes. You can submit your auto loan application on Credit Union 1’s website.

What information do I need to provide when applying for a Credit Union 1 car loan?

When you apply for auto financing, you need to provide your personal and contact information. Moreover, you need to include details about your income and employment.

Does Credit Union 1 Alaska refinance auto loans?

Yes. You can refinance your auto loan with CU1 to switch to more affordable monthly payments and interest rates.

How long does CU1 take to approve vehicle finance?

CU1 doesn’t indicate the approval time. However, you may get approved anywhere between minutes to a few weeks depending on your application. If CU1 is satisfied with your application, you may get approved fast. But if you need to submit additional requirements, it may take longer.

Does Credit Union 1 Alaska have Zelle?

Unfortunately, no. But members can use online access or their CU1 mobile apps to transfer funds between CU1 accounts.

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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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