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

Carla Soto
Carla Soto
Updated 12 October 2023
Fact checked

A quick review of Golden 1 Credit Union auto loans

Golden 1 Credit Union logo

Golden 1 Credit Union has competitive vehicle loans with terms stretching up to 84 months. Qualified members in California can secure new and pre-owned vehicles ranging from cars to RVs and ATVs. Plus, Golden 1 offers up to a 1% rate discount and doesn’t charge application fees and prepayment penalties.

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

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: $75,000.
  • Interest rates: As low as 6.79% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: No application fees.
  • Discounts: Rate discounts with Enterprise Car Sales vehicles purchased.

GOLDEN 1 CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

Golden 1 offers affordable loan choices with up to 84-month terms for new and pre-owned vehicles. Starting at 6.79% APR, you can purchase or refinance new auto loans, while used auto loans have APRs as low as 6.94%. If you’re a first-time buyer, you can also buy a new or used vehicle starting at 8.99% APR.

Specialty vehicle loans

Whether you’re looking for a new or used RV, motorcycle, boat, jet ski, or ATV, Golden 1 also has loans available for specialty vehicles. Recreational vehicles start at 7.99% APR, and boats can be as low as 7.90% APR. But if you’re after motorcycles, jet skis, and ATVs, the starting rate is 7.24% APR.

Golden 1 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
Golden 1 Credit Union

Golden 1 Credit Union auto loan

Golden 1 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 Golden 1 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 Golden 1 auto loan

Eligibility criteria

Even if Golden 1 doesn’t specify the requirements to obtain auto financing, you commonly need to be:

  • A member of Golden 1 Credit Union
  • At least 18 years old
  • Employed or have a reliable source of income

Besides the criteria, it helps to know the steps in getting an auto loan, too. This will prepare you for the application process and make your car-buying experience smoother. Plus, also consider building your credit score to get a loan you can afford.

How to join Golden 1 Credit Union

Golden 1 membership is open to anyone who:

  • Lives or works in California
  • Is a family member or registered domestic partner of a current Golden 1 member
  • Is a member of one of the Select Employee Groups

What you’ll need to have ready

When you apply for auto financing with Golden 1 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 Golden 1 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

If you’re refinancing from another lender, you also need to submit your valid insurance, CA DL, 10-day payoff, and smog certificate (if applicable).

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

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 1-877-465-3361

Additional Golden 1 auto loan details

  • Automatic payment: Available.
  • Rate discounts: 1% APR discount by purchasing Enterprise Car Sales vehicles from 1/1/23 to 12/31/23.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: None.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Ways to repay: Online banking, mobile app, payroll deduction, by mail, and over the phone.
  • Hardship program: Available. You can contact 1-877-723-3010 to know your options.

Vehicle restrictions and limitations

  • Maximum vehicle age: 10 model years old.
  • Maximum vehicle mileage: Unspecified.
  • Other vehicle restrictions: Unspecified.

PROS AND CONS

Pros

  • Fast loan pre-approval.
  • Flexible loan terms.
  • Competitive rates.
  • No application fees.
  • Convenient online application process.
  • Up to 90 days first-payment deferral.
  • 1% rate discount with Enterprise Car Sales.
  • Multiple partner dealerships.
  • Different payment options – online, mobile app, payroll deduction, mail, and over the phone.

Cons

  • Undisclosed vehicle restrictions.
  • Exclusive to members.
  • Members with poor credit scores may receive higher rates.

FREQUENTLY ASKED QUESTIONS

Does Golden 1 Credit Union refinance auto loans?

You can switch your current vehicle loan by applying online, over the phone, or in a branch.

How long does Golden 1 take to approve auto loans?

You can apply for auto loan pre-approval and get the loan decision the same day.

Can I repay my Golden 1 Credit Union auto loan early?

Yes. You can pay off your loan early without incurring prepayment penalties.

What is the phone number for the Golden 1 car loan?

You can call 1-877-465-3361. But if you need assistance with your car loan payment, you can reach out at 1-877-723-3010.

What information do I need to provide when applying for a Golden 1 vehicle finance?

Aside from your personal, contact, income, and employment details, you also need to provide additional information on your vehicle. These may include the title, registration, insurance, 10-day payoff, valid CA DL, and more. Remember though that the requirements depend on your loan application.

What is the grace period for the Golden 1 auto loan?

Golden 1 will not charge a late fee until after 10 days of your due date.

Are there discounts available on Golden 1 Credit Union car loans?

You can get 1% off your auto loan rate if you purchase your vehicle from Enterprise Car Sales from January 1 to December 31, 2023.

Video: How Golden 1 helped Amber finance her next vehicle | Member testimonials | Golden 1 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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