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

Carla Soto
Carla Soto
Updated 11 October 2023
Fact checked

A quick review of Founders Federal Credit Union auto loans

Founders Federal Credit Union logo

Founders Federal Credit Union (FFCU) has over 37 branches across 10 counties in South Carolina and North Carolina. FFCU provides low-rate vehicle financing tailored for autos, boats, motorcycles, campers, RVs, and more. Qualified members can secure auto loans for as low as 4.99% APR, while recreational vehicles start at 7% APR.

Want to see what a Founders auto loan will cost? Try the Founders 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 Founders Federal Credit Union auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Undisclosed.
  • Interest rates: From 4.99% APR.
  • Loan terms: Undisclosed, but terms usually extend up to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: Cheaper auto protection for members.

FOUNDERS CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

Founders offers financing and refinancing options with low fixed rates. From 4.99% to 16.50% APR, you can lock in a new vehicle. Meanwhile, used auto loans start at 5.99% APR. Plus, you can delay your payment for 90 days.

Recreational vehicle loans

You can also travel the road or the water with FFCU’s recreational vehicle loans. Whether new or pre-owned, you can buy or refinance boats, motorcycles, campers, RVs, and other recreational vehicles. Rates start at 7% APR for new recreational vehicles and 7.50% APR for used ones.

Founders Federal Credit Union 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
Founders Federal Credit Union

Founders Federal Credit Union auto loan

Founders Federal 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 Founders Federal 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 Founders Federal Credit Union auto loan

Eligibility criteria

Founders doesn’t specify the criteria, but it commonly includes the following:

  • A Founders FCU member
  • 18 years old or older
  • Employed or have a stable source of income

Banks, credit unions, and other financial institutions typically give their lowest APRs and flexible terms to applicants in excellent credit standing. So, consider improving your credit score before applying. This way, you can lift your chances of securing a loan you can afford and maintain.

What you’ll need to have ready

When you apply for auto financing with Founders Federal Credit Union, 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 Founders 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.

Try to ask about the auto loan fees you may need to pay, too. This will help you assess the total cost of your loan and prepare your budget.

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 1-800-845-1614

Additional Founders auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed, but it may take a day or more depending on your application.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Undisclosed..
  • Co-signers: Undisclosed.
  • Ways to repay: Online banking, Founders Pay, and automatic payments.
  • Hardship program: Skip-a-payment available. (Learn more)

Vehicle restrictions and limitations

  • Maximum vehicle age: Unspecified, but it’s usually up to 10 years old.
  • Maximum vehicle mileage: Unspecified.
  • Other vehicle restrictions: Unspecified.

PROS AND CONS

Pros

  • Low interest rates.
  • Over 30 offices across 10 counties in South Carolina and Mecklenburg County in North Carolina.
  • Online pre-approval available.
  • No payment for 90 days.
  • Variety of vehicle options – cars, motorcycles, campers, boats, recreational vehicles, and more.
  • Optional insurance and coverage available.
  • Partner dealerships available.
  • Purchase and refinance available.
  • Earn $100 in your Loyalty Select account.

Cons

  • Undisclosed loan terms and late fees.
  • Membership required.
  • Minimum and maximum loans undisclosed.
  • Unspecified vehicle restrictions.

FREQUENTLY ASKED QUESTIONS

Does FFCU refinance auto loans?

You can refinance your existing external vehicle loan to reduce your rate by around 1%.

What are Founders’ auto loan interest rates?

You can secure new vehicle loans from 4.99% to 16.50% APR, while used auto loans range from 5.99% to 18.00% APR.

How can I contact Founders Federal Credit Union about my car loan?

You can reach out to Member Care at 1-800-845-1614.

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

Founders doesn’t specify how quick the turnaround time is. However, it can be anywhere between minutes to a few business days based on your situation.

How many pay slips does FFCU require during my auto loan application?

Though the credit union doesn’t indicate the number of payslips you need, you usually need to provide your 2 most recent pay stubs.

Are Founders FCU auto loan interest rates fixed or variable?

Founders offers fixed-rate vehicle loans.

Video: Refi or buy at Founders

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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Seeloans.com provides factual information in relation to financial products. While Seeloans.com attempts to make a wide range of products and providers available, it may not cover all the options available to you. Moreover, we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. All product information comes from the product provider or publicly available information and to the best of our knowledge is correct at the time of publishing. The information published on Seeloans.com is general in nature only and does not consider your personal objectives, financial situation or particular needs and is not recommending any particular product to you. If you decide to apply for a product you will be dealing directly with that provider and not with Seeloans.com. Seeloans.com recommends that you read the relevant product disclosure statement or product guide before taking up any financial product offer. For more information please see Seeloans.com’s Terms of Use and Services Guide.

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