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Randolph Brooks Federal Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 18 October 2023
Fact checked

Randolph Brooks Federal Credit Union auto loans overview

Randolph Brooks Federal Credit Union logo

Randolph Brooks Federal Credit Union (RBFCU) offers workable vehicle loans with flexible repayment options to all 50 states. Qualified borrowers can lock in rates from 6.290% APR and choose terms of up to 84 months. Other than new and used cars, members can also finance different types of vehicles – motorcycles, ATVs, recreational vehicles, travel trailers, boats, and more.

Want to see what an RBFCU auto loan will cost? Try the Randolph Brooks 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 Randolph Brooks Federal Credit Union auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Undisclosed.
  • Interest rates: As low as 6.290% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: No application fees.
  • Discounts: Undisclosed.

RANDOLPH BROOKS FEDERAL CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

Randolph Brooks offers affordable financing for pre-owned and new vehicles. Interest rates begin as low as 6.290% APR, and you can make your payments for up to 84 months. Other than purchasing, you can also refinance your current loan from another lender to take advantage of RBFCU’s low rates.

Motorcycle, ATV, personal watercraft, and UTV loans

If you’re feeling adventurous, you can also finance motorcycles, ATVs, personal watercraft, and UTVs. Rates start at 6.950% APR, and repayment periods stretch up to 84 months.

RV, boat, and trailer loans

Loans tailored for recreational vehicles, motorhomes, travel trailers, and boats are also available at RBFCU. You can lock in new and used models for as low as 6.950% APR. Additionally, you can choose longer repayment periods of up to 180 months.

Randolph Brooks 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
Randolph-Brooks Federal Credit Union

Randolph-Brooks Federal Credit Union auto loan

Randolph-Brooks 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 Randolph-Brooks 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 Randolph Brooks Federal Credit Union auto loan

Eligibility criteria

RBFCU doesn’t specify the criteria for vehicle financing, but you should typically be:

  • A member of Randolph Brooks
  • At least 18 years old
  • A legal resident
  • Employed or have a steady source of income

To lift your chances of securing a loan, try to build your credit before applying, too. Having an excellent credit profile will show financial institutions that you can comfortably handle your debts. So, they may be more willing to offer you lower rates and better terms.

How to join Randolph Brooks Federal Credit Union

RBFCU membership is open to anyone who:

  • Lives, works, worships, or attends school in qualified areas
  • Is part of a specific community organization
  • Is an immediate family member of a Randolph Brooks member

What you’ll need to have ready

Personal details

When you apply for auto financing with Randolph Brooks 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 RBFCU 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.

Aside from the documents, it can give you an advantage if you’re aware of the steps on how to get an auto loan. Knowing the process can help you set your expectations and better plan your application.

Ways to apply for a Randolph Brooks auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 210-945-3300

Additional RBFCU auto loan details

  • Automatic payment: Available.
  • Rate discounts: Potential lower rates for members with excellent credit.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Hardship program: Undisclosed.
  • Ways to repay: Online banking, in person, and by mail.

Vehicle restrictions and limitations

  • Maximum vehicle age: Undisclosed.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Salvaged and reconditioned vehicles are ineligible for financing.

PROS AND CONS

Pros

  • Competitive interest rates.
  • Flexible repayment periods.
  • Fast turnaround time.
  • No application fees.
  • Pre-approval available.
  • Optional auto coverage and warranties offered.
  • Auto financing available in all 50 states, including Puerto Rico, Guam, and overseas.
  • Available for automobiles, trucks, boats, ATVs, jet skis, motorcycles, recreational vehicles, and more.
  • Purchasing, refinancing, and lease buyout offered.
  • Multiple partner dealerships.
  • Qualified borrowers may delay the first payment up to 60 days.

Cons

  • Limited to members.
  • Members in poor credit standing may get higher rates.
  • Undisclosed minimum and maximum loan amounts.

FREQUENTLY ASKED QUESTIONS

How much interest does the RBFCU charge on vehicle loans?

Depending on your loan term, Randolph Brooks’ auto loans range from 6.290% to 18% APR.

What is the maximum term of a Randolph Brooks auto loan?

The maximum length of an RBFCU car loan is 84 months.

How long does RBFCU take to approve a car loan?

You can expect to get a loan decision within 1 business day.

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

You can reach out to the credit union at 210-945-3300 (San Antonio/Corpus Christi/Dallas-Fort Worth) or 512-833-3300 (Austin).

Can I apply for a Randolph Brooks Federal Credit Union auto loan online?

Yes. You can submit your auto loan application online.

Are the vehicle loans available in all 50 states?

Randolph Brooks offers auto loans in all 50 states, including Puerto Rico, Guam, and overseas.

Video: Ask the Expert: “3 tips for purchasing a car”

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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