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Premier America Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 17 October 2023
Fact checked

Premier America Credit Union auto loans overview

Premier America Credit Union logo

Premier America Credit Union was founded in 1957 and serves Ventura and Los Angeles counties of California and Harris County in Texas. Premier America provides flexible auto loans with up to 120% financing and 0.50% rate discounts. Other than cars, members can also apply for loans tailored to boats, motorcycles, and recreational vehicles.

Want to see what a Premier America auto loan will cost? Try the Premier America 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 Premier America auto loan features

  • Minimum loan amount: $2,000.
  • Maximum loan amount: Up to 120% of MSRP or Retail Kelley Blue Book.
  • Interest rates: From 7.60% APR.
  • Loan terms: From 36 to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: Rate discounts with autopay and vehicle insurance from Premier America.

PREMIER AMERICA CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

Premier America offers terms of up to 84 months for financing and refinancing of pre-owned and new vehicles. New auto loans have a starting rate of 7.60% APR, while used auto loans begin at 7.85% APR. You can also finance up to 101% of 2016 and older models for as low as 8.85% APR.

Motorcycle loans

If you’re looking for motorcycle financing, you can also apply at Premier America. New motorcycles start at 10.85% APR, and used models begin at 11.85% APR. For both choices, you can borrow up to 100% and extend repayment terms for up to 66 months.

Recreational vehicle loans

Loans for recreational vehicles with terms of up to 240 months are also available. New and used motorhomes, campers, trucks, and vacation trailers can start as low as 7.74% APR. If you’re looking to fund boats, APRs begin at 11.85%.

Premier America 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
Premier America

Premier America auto loan

Premier 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 Premier America 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 Premier America auto loan

Eligibility criteria

Premier America doesn’t disclose the auto financing standards, but you should commonly be:

  • A Premier America member
  • At least 18 years old
  • A legal resident
  • Employed or have a reliable source of income

To get approved for a car loan, consider lifting your credit score and decreasing your debt-to-income ratio (DTI). A good credit profile and a low DTI ratio can show lenders that you’re a responsible borrower. So, they may offer you better rates, too.

How to join Premier America Credit Union

You can become a member of Premier America if you meet one of the following eligibility requirements:

  • A family member of a Premier America member
  • Affiliated with California State University Northridge (CSUN)
  • An employee or member of a participating sponsor, company, or select employer group
  • Live, work, worship, or attend school in the Ventura and Los Angeles counties of California and Harris County in Texas
  • A member of the Alliance for the Arts

What you’ll need to have ready

Personal details

When you apply for auto financing with Premier America 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 Premier America 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.

Make sure you inquire about the loan fees that the credit union may require. Knowing the overall cost of your vehicle can help you estimate your overall expenses and compare other choices. This way, you end up with a loan you can afford in the long run.

Ways to apply for a Premier America Credit Union auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 800-772-4000 (option 2) or 866-410-0171

Additional Premier America 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.
  • Rate discounts: 0.25% discount with vehicle insurance from Premier America and 0.25% discount for direct deposit with automatic payment.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Hardship program: Undisclosed.
  • Ways to repay: Online banking, automatic payments, and over the phone.

Vehicle restrictions and limitations

  • Maximum vehicle age: Over 7 years old may not qualify.
  • Maximum vehicle mileage: Less than 12,000 miles for new vehicles and under 75,000 miles for older used vehicles.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Long repayment terms.
  • Financing up to 120%.
  • Low minimum loan amount.
  • 90 days before the first loan payment.
  • 0.25% rate discount with vehicle insurance from Premier America.
  • 0.25% rate discount with automatic payments.
  • Pre-approval offered.
  • Convenient online application.
  • Purchase and refinance available.
  • Optional auto insurance and protection offered.

Cons

  • Undisclosed loan fees.
  • Limited to members.
  • Applicants with low credit scores may get higher APRs.

FREQUENTLY ASKED QUESTIONS

How much interest does Premier America Credit Union charge on car loans?

Premier America’s auto loans start at 7.60% APR for new vehicles and 7.85% APR for used vehicles.

What is the maximum length of a Premier America vehicle loan?

Loan repayment periods range from 36 to 84 months.

Are there discounts available on Premier America auto loans?

You can get up to a 0.50% APR discount with Premier America – 0.25% with vehicle insurance from Premier America and another with autopay.

Can I apply for a Premier America Credit Union car loan online?

Yes. You can get pre-approved and apply online for a vehicle loan.

How much do I qualify for with a Premier America Credit Union auto loan?

You can finance up to 120% of the MSRP.

How do I pay my Premier America auto loan?

You can pay your auto loan through online banking, automatic payments, and over the phone.

Video: Premier America brand video – The power of AND

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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