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Credit Union of Richmond Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 19 October 2023
Fact checked

Credit Union of Richmond auto loans overview

Credit Union of Richmond Union logo

Credit Union of Richmond (CURICH) offers vehicle loans with great interest rates and longer repayment terms. Rates start as low as 3.74% APR, and terms stretch up to 84 months. Plus, qualified members can get lower rates and bonuses when refinancing through the promotional auto and RV loan program.

Want to see what a CURICH auto loan will cost? Try the Credit Union of Richmond 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 Credit Union of Richmond auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Up to 125%.
  • Interest rates: As low as 3.74% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: Refinancing and down payment rate reduction.

MERIWEST CU AUTO LOAN OPTIONS

New and used auto loans

CU of Richmond provides vehicle financing options with competitive rates and long repayment periods. For as low as 3.74% APR, you can purchase or refinance new and used 5-year or newer models. But if you’re after 2013 to 2017 models, rates begin at 5.24% APR.

Promotional auto and RV loan recapture

If you’re looking to refinance your existing loan from a different lender, you may consider the auto loan recapture program. Through this, you can secure rates as low as 3.24% APR and terms of up to 84 months. Moreover, you can get a $100 bonus.

Motorcycle, boat, and leisure vehicle loans

Loans for motorcycles, boats, recreational vehicles, and campers are also available at CURICH. You can lock in competitive rates starting at 5.49% APR, and you can extend your terms for up to 144 months.

Credit Union of Richmond 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
Richmond Postal Credit Union

Richmond Postal Credit Union auto loan

Richmond Postal 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 Richmond Postal 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 CU of Richmond auto loan

Eligibility criteria

CU of Richmond doesn’t specify the exact requirements, but you should typically be:

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

Other than meeting the basic requirements, building your credit can also give your application a leg up. A high credit score shows lenders that you’re a responsible borrower. That said, they may be more willing to offer you lower APRs and better terms.

How to join Credit Union of Richmond

CURICH membership is open to anyone who:

  • Lives, works, worships, volunteers, or attends school in certain localities
  • Is an immediate family member of a current member
  • Is a spouse of a person who died while within the field of membership
  • Is an employee of Credit Union of Richmond

What you’ll need to have ready

Personal details

When you apply for auto financing with Credit Union of Richmond, 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 CURICH 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.

Alongside preparing the documents, make sure you’re also ready for the loan application process. Gaining insights into the steps will guide you throughout your application and help you negotiate and choose better loans.

Ways to apply for a CU of Richmond auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 804-355-9684

Additional CURICH auto loan details

  • Automatic payment: Available.
  • Rate discounts: Up to 0.50% rate discount with a 20% down payment and up to 1% rate reduction when refinancing from another lender.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: $0.
  • Ways to repay: Online banking and mobile banking.

Vehicle restrictions and limitations

  • Maximum vehicle age: Undisclosed.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Low interest rates.
  • Flexible repayment periods.
  • Up to 125% financing.
  • No prepayment penalties.
  • Pre-approval available.
  • Convenient online application.
  • Co-applicants and co-signers allowed.
  • Up to 0.50% rate discount with a down payment.
  • $100 cash bonus and up to 1% rate reduction when refinancing from a different lender.
  • Delayed first payment for up to 100 days.
  • Optional debt protection, Mechanical Repair Coverage, and GAP coverage offered.

Cons

  • Limited to members.
  • Members with low credit scores may get higher APRs.
  • Undisclosed vehicle requirements.

FREQUENTLY ASKED QUESTIONS

How much interest does the Credit Union of Richmond charge on vehicle loans?

Auto loans start at 3.74% APR for 5 years or newer models and at 5.24% APR for 2013 to 2017 models.

What is the maximum term of a CU of Richmond auto loan?

You can repay your car loan for up to 84 months.

How can I contact the Credit Union of Richmond about my car loan?

You can reach out to the CU of Richmond at 804-355-9684.

Are there discounts available on CURICH auto loans?

The credit union offers up to a 0.50% rate discount if you put in a 20% down payment. Plus, you can get up to a 1% rate reduction if you refinance your existing loan from another lender.

Does the Credit Union of Richmond refinance auto loans?

Yes. You can switch to the CU of Richmond to take advantage of the $100 cash bonus and up to a 1% rate reduction.

What information do I need to provide when applying for a CURICH auto loan?

The credit union will ask for your personal and contact details. Other than these, you need to indicate details about your income and employment.

How many pay slips does the CU of Richmond require during my car loan application?

While CURICH doesn’t disclose the required documents, you typically need to prepare your 2 most recent pay stubs.

Video: Membership

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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