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New England Federal Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 15 October 2023
Fact checked

New England Federal Credit Union auto loans overview

New England Federal Credit Union logo

Whether you’re buying or refinancing, New England Federal Credit Union (NEFCU) provides low-cost and flexible auto loans. Members can apply for as low as 5.50% APR and choose terms extending up to 90 months. Plus, NEFCU offers a range of financing options for new and used cars, trucks, SUVs, boats, RVs, motorcycles, ATVs, snowmobiles, and more.

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

  • Minimum loan amount: $2,500 for used auto loans, and $25,000 for a 90-month term.
  • Maximum loan amount: Up to 100%.
  • Interest rates: As low as 5.50% APR.
  • Loan terms: Up to 90 months.
  • Loan fees: Undisclosed.
  • Discounts: 1% cash back when refinancing auto loans, and auto insurance special rates.

NEW ENGLAND FEDERAL CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

NEFCU provides low-rate loans for pre-owned and new cars, trucks, and SUVs. Interest rates begin as low as 5.50% APR for 2009 and new models. Then, 2017 models start as low as 6.85% APR. Additionally, you can extend your repayment period for up to 90 months.

Boat, RV, motorcycle, ATV, and snowmobile loans

If you’re looking for outdoor adventures, you can get loans tailored for used and new motorcycles, RVs, ATVs, boats, snowmobiles, etc. For as low as 6.25% APR, you can borrow up to 110%. Moreover, you can choose terms of up to 90 months.

New England 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
New England Federal Credit Union

New England Federal Credit Union auto loan

New England 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 New England 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 New England Federal Credit Union auto loan

Eligibility criteria

Even if NEFCU doesn’t state the exact criteria for auto financing, you should normally be:

  • At least 18 years old
  • A legal resident
  • Employed or have a dependable source of income
  • A member of NEFCU

Other than meeting the criteria, it’s also helpful to have insights into how to get a car loan. This will give you an edge when applying since you will know what to expect from the application process. Plus, understanding the steps can guide your decision-making process.

How to join New England Federal Credit Union

NEFCU membership is open:

  • Through a complimentary membership with the American Consumer Council (ACC)
  • To immediate family or household members of NEFCU members
  • To employees of selected employers
  • To current members of the Vermont General Assembly, Northeast Sustainable Energy Association, Washington Electric Cooperative, and Financial Fitness Association (FFA)

What you’ll need to have ready

Personal details

When you apply for auto financing with New England 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

Documents

You may need to provide NEFCU 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 your current existing loan, you need to provide specific details about your vehicle, too. These include the vehicle’s make, model, year, and estimated value. So, make sure you prepare the necessary documents and information to make your application easier and faster.

Ways to apply for a New England Federal Credit Union auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 866-805-6267

Additional NEFCU auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed, but it may range from a day to a few weeks depending on your case.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Ways to repay: Online banking, mobile banking, by mail, and in person.

Vehicle restrictions and limitations

  • Maximum vehicle age: 2009 models.
  • Maximum vehicle mileage: Less than 2,500 miles for new models.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Low interest rates.
  • 100% financing offered.
  • Extended loan terms.
  • Pre-approval offered.
  • 1% refinancing cash back.
  • Co-applicants allowed.
  • Purchase, refinance, and lease buyout available.
  • Dealer and private purchases allowed.
  • Blank, pre-approved auto check offered for an easier car-buying experience.
  • Multiple partner dealers.
  • Convenient car-buying services.
  • Optional GAP insurance and debt protection available.

Cons

  • Loan fees undisclosed.
  • Limited to members.
  • Members with low credit scores may get higher APRs.

FREQUENTLY ASKED QUESTIONS

Are New England Federal Credit Union car loan interest rates fixed or variable?

NEFCU offers fixed-rate auto loans.

How much interest does NEFCU charge on car loans?

New England Federal Credit Union’s auto loans start as low as 5.50% APR for 2009 to new models. For 2017 to new models, rates begin at 6.85% APR.

What is the maximum term of a New England Federal Credit Union vehicle loan?

You can stretch your loan repayments for as long as 90 months.

How much do I qualify for with a NEFCU auto loan?

You can finance up to 100% of the purchase price, including the tax, title, registration, and warranty (less any rebates). Remember though that how much you can borrow may depend on several factors, like your creditworthiness.

How to apply for a vehicle loan at New England Federal Credit Union?

You can apply for a car loan online, over the phone, or by contacting a loan officer.

How to buy a car with a NEFCU auto loan?

You can purchase your vehicle from a private party or a dealership.

How can I contact New England Federal Credit Union about my auto loan?

If you want to reach out to a Member Service Representative, you can call 802-879-8790 or 800-400-8790.

Video: Hit the road with NEFCU!

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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