Important disclosure

Fox Communities Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Updated 11 October 2023
Fact checked

A quick review of Fox Communities Credit Union auto loans

Fox Communities Credit Union logo

Fox Communities Credit Union (Foxcu) serves 17 counties and 100,000+ members in Wisconsin. Foxcu has auto loan options fit for a variety of vehicles – from cars, trucks, and motorcycles to boats, campers, ATVs, and more. Members can enjoy workable rates as low as 5.49% APR and terms extending up to 72 months.

Want to see what a Fox Communities auto loan will cost? Try the Fox Communities 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 Fox Communities Credit Union auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Up to 100% financing.
  • Interest rates: From 5.49% APR.
  • Loan terms: Up to 72 months.
  • Loan fees: No application fee.
  • Discounts: Undisclosed.

FOX COMMUNITIES AUTO LOAN OPTIONS

Auto, boat, camper, and motorcycle loans

Foxcu offers flexible options for 2018 and newer cars, trucks, boats, campers, and motorcycles. For as low as 5.49% APR, you can finance your ride for up to 72 months. But if you want to secure older models, you can reach out to Fox to know the available rates and terms.

ATV, UTV, snowmobile, jet ski, and waverunner loans

You can also apply for loans tailored to ATVs, UTVs, snowmobiles, jet skis, and waverunners. Fox Communities has rates as low as 5.99% APR, and terms can stretch up to 72 months.

Fox Communities Credit Union auto loan calculator

Loan Amount

$25,000

Term

60 months

Fox Communities Credit Union

Fox Communities 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 Fox Communities 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 Fox Communities Credit Union auto loan

Eligibility criteria

While Fox Communities’ requirements aren’t specified, you usually need to meet the following:

  • A FoxCU member
  • At least 18 years old
  • Employed or have a reliable source of income

Each financial institution differs in its qualifications. So, ensure you compare the criteria of different banks, credit unions, and other lenders. Assessing your options will help you determine which one will likely approve your auto loan.

How to join Foxcu

To qualify for membership, you should:

  • Live or work in Brown, Calumet, Dodge, Door, Fond du Lac, Kewaunee, Manitowoc, Milwaukee, Oconto, Outagamie, Ozaukee, Shawano, Sheboygan, Washington, Waukesha, Waupaca, or Winnebago.
  • Be an employee of an eligible payroll-sponsored company
  • Be an immediate family member of anyone eligible for membershi

What you’ll need to have ready

When you apply for auto financing with Fox Communities 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 Fox Communities 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.

In case you’re refinancing your current loan, you need to provide details about your vehicle as well. These include the make, model, year, and purchase price or estimated value. Preparing these before applying can make your application go smoother.

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 920-993-9000

Additional Fox Communities auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed, but the turnaround time may take a day or more based on your situation.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Mobile banking app, digital banking, by mail, and in a branch.
  • Hardship program: Undisclosed.

Vehicle restrictions and limitations

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

PROS AND CONS

Pros

  • Competitive interest rates.
  • Online pre-approval.
  • Flexible loan terms.
  • No application fees.
  • Free auto buying service.
  • Easy online application.
  • Onsite financing from dealerships available.
  • Optional mechanical breakdown protection, guaranteed asset protection (GAP), and fox debt protection available.
  • 20+ locations across Wisconsin.
  • Different vehicles available – cars, trucks, boats, campers, motorcycles, ATVs, UTVs, snowmobiles, jet skis, and waverunners.

Cons

  • Undisclosed vehicle restrictions.
  • For members only.
  • Borrowers with poor credit may receive higher rates.

FREQUENTLY ASKED QUESTIONS

What is the maximum length of a Fox Communities Credit Union car loan?

You can make your payments for up to 72 months.

What are Fox Communities’ auto loan interest rates?

Fox’s rates for 2018 and newer vehicles, boats, campers, and motorcycles start at 5.49% APR.

Where can I apply for a FoxCU auto loan?

You can submit your loan application online, visit a branch, or apply at a participating dealer.

How much do I qualify for with a Fox Credit Union vehicle loan?

You may finance up to 100% of new and used vehicles. Remember though that your maximum loan amount may depend on different factors, like your creditworthiness and collateral.

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

Though Fox doesn’t indicate the required payslips, you typically need to provide your last 2 pay stubs.

How do I pay my Fox auto loan?

There are multiple ways to pay your vehicle loan – through the mobile banking app, digital banking, mail, and a branch.

Video: Fox does boat loans… and vehicle loans!


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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