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Robins Financial Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 19 October 2023
Fact checked

Robins Financial Credit Union auto loans overview

Robins Financial Credit Union logo

Robins Financial Credit Union offers auto loans with great rates and extended repayment periods across multiple branch locations. Qualified members can finance up to 100% and enjoy fewer fees. Moreover, Robins FCU has competitive loans for motorcycles, ATVs, boats, and recreational vehicles.

Want to see what a Robins FCU auto loan will cost? Try the Robins Financial 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 Robins Financial Credit Union auto loan features

  • Minimum loan amount: Greater than $12,000 for 66 months.
  • Maximum loan amount: Up to 100%.
  • Interest rates: 5.50% to 17.50% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: No loan processing fees.
  • Discounts: Rate discount with electric vehicle loans.

ROBINS FINANCIAL CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

For as low as 5.50% APR, you can secure new auto loans from Robins Financial. Meanwhile, rates for 2020 to 2023 used autos begin at 5.75% APR. Other than competitive rates, you can also stretch your repayment periods for up to 84 months.

Motorcycle, ATV, boat, and RV loans

Robins FCU also offers workable rates for new and used motorcycles, ATVs, RVs, campers, and boats. Motorcycles and ATVs have rates ranging from 8.25% to 17.75% APR, and terms can be up to 84 months. Then, RVs and campers start at 8% APR with terms up to 72 months. And for boats, rates begin at 8% APR and repayment can be up to 120 months.

Robins Financial 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
Robins Financial Credit Union

Robins Financial Credit Union auto loan

Robins Financial 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 Robins Financial 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 Robins Financial Credit Union auto loan

Eligibility criteria

Robins Financial doesn’t specify the eligibility requirements, but you should normally be:

  • A member of Robins Financial
  • 18 years old or older
  • A legal resident
  • Employed or have a reliable source of income

To improve your chances of getting a loan, try to build your credit profile. Keep in mind that lenders tend to offer credit to promising borrowers. So, a high credit score can help you show you’re capable of managing an auto loan.

How to join Robins Financial Credit Union

You can join Robins FCU if you meet one of the following:

  • Family members of current members
  • Live or work in select Georgia counties

What you’ll need to have ready

Personal details

When you apply for auto financing with Robins Financial 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 Robins FCU 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 planning to refinance your loan, you need to provide more documents. These may include a copy of the original loan contract, insurance card, a copy of the tag receipt or vehicle registration, and more.

Ways to apply for a Robins Financial auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 478-923-3773 or 800-241-2405

Additional Robins Financial auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed, but it may be a day to a few weeks depending on your application.
  • Rate discounts: 0.25% rate discount with qualified electric vehicle loans.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: $0.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Hardship program: Skip-a-payment option available.
  • Ways to repay: Online banking, over the phone, and by mail.

Vehicle restrictions and limitations

  • Maximum vehicle age: Usually, up to 7 years old, but older models may be considered with a max term of 36 months.
  • Maximum vehicle mileage: Under 15,000 miles for new vehicles.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Competitive rates.
  • Flexible repayment terms.
  • Up to 100% financing.
  • No loan processing fees.
  • No prepayment penalty.
  • Pre-approval offered.
  • Convenient online application.
  • Rate discounts with electric vehicle loans.
  • Purchase and refinance available.
  • Co-applicants allowed.

Cons

  • Membership required.
  • High minimum loan amount for longer terms.
  • Members with low credit scores may get higher APRs.

FREQUENTLY ASKED QUESTIONS

How much interest does Robins Financial charge on vehicle loans?

Robins Financial’s auto loans range from 5.50% to 17.50% APR.

What is the maximum term of a Robins Financial car loan?

You can choose loan terms of up to 84 months.

Are there discounts available on Robins FCU auto loans?

If you finance a qualified new or used electric vehicle, you can receive a 0.25% rate discount.

How much do I qualify for with a Robins Financial car loan?

You can finance up to 100% of new and pre-owned vehicles.

Where can I apply for a Robins Financial auto loan?

You can apply for vehicle financing online, over the phone, or at any Robins FCU branch.

Will applying for a vehicle loan with Robins FCU affect my credit score?

A formal loan application will lead to a hard credit check, which will appear on your credit report. In turn, this will temporarily decrease your score by a few points. Nonetheless, you can improve your credit score by consistently paying your car loan.

Does Robins Financial Credit Union refinance auto loans?

Yes. You can transfer your existing car loan to Robins Financial and take advantage of its competitive rates and terms.

How do I pay my Robins Financial auto loan?

You can pay your auto loan through digital banking, over the phone, and by mail.

Video: Refinance your auto loan: Robins Financial 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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