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Rogue Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 19 October 2023
Fact checked

Rogue Credit Union auto loans overview

Rogue Credit Union logo

For over 60 years, Rogue Credit Union has been providing its members with flexible auto loan options. Members can finance used and new vehicles for as low as 6.99% APR and choose repayment terms of up to 84 months. Plus, Rogue’s first-time buyer program helps applicants without credit scores or with limited credit history to buy their first vehicle and build credit.

Want to see what a Rogue auto loan will cost? Try the Rogue 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 Rogue Credit Union auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Undisclosed.
  • Interest rates: From 6.99% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: Rate discounts for autopay, fuel-efficient vehicles, and premier members (members who have been with Rogue for 5+ years). Plus, car insurance discounts through the TruStage Auto Insurance Program.

ROGUE CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

Rogue offers a range of new and used vehicle loans with terms stretching up to 84 months. Starting at 6.99% APR, you can secure 2020 and newer auto loans. Meanwhile, older vehicles begin at 7.24% APR. Moreover, you can get pre-approved and get a 30-day rate lock to give you time to shop around.

Recreational vehicle loans

If you’re looking for an adventure, you can finance a range of pre-owned and new recreational vehicles. Boats, RVs, motorhomes, and travel trailers have rates starting at 7.49% APR and terms of up to 180 months. For motorcycles, ATVs, and snowmobiles, APRs begin at 8.49%, and repayment periods can be up to 72 months.

First-time buyer program

Rogue Credit Union also offers loans for members with limited credit history or without credit scores. To qualify, you need a minimum of 1 year at the same employer and a 5% down payment. Moreover, your vehicle should meet certain criteria, like a max age of 12 years and mileage of 120,000 or less.

Rogue 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

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Rogue Credit Union

Rogue Credit Union auto loan

Rogue 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 Rogue 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 Rogue auto loan

Eligibility criteria

Though Rogue doesn’t specify the auto financing criteria, you should typically be:

  • 18 years old or older
  • A legal resident
  • A member of Rogue Credit Union
  • Employed or have a steady source of income

While all financial institutions vary in their standards, they generally offer their best rates and terms to borrowers with excellent credit. So, consider improving your credit score, too. This way, you can get a more favorable loan.

How to join Rogue Credit Union

You can join Rogue if you meet one of the following:

  • Live or work in select Oregon counties
  • Live, work, worship, or attend school in Del Norte County, California or Payette County, Idaho

What you’ll need to have ready

Personal details

When you apply for auto financing with Rogue 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 Rogue 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.

Being familiar with the steps on how to get an auto loan can also help you along the way. This will give you an idea about the process and make your application easier. Plus, understanding how it works will guide your decisions before settling for a loan offer.

Ways to apply for a Rogue Credit Union auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 800-856-7328

Additional Rogue auto loan details

  • Automatic payment: Available.
  • Rate discounts: Maximum discount of 0.50% for autopay, fuel-efficient vehicles, and premier members.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: None.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Hardship program: You can call the credit union or stop by a branch to know your options.
  • Ways to repay: Online banking, mobile app, over the phone, by mail, and in person.

Vehicle restrictions and limitations

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

PROS AND CONS

Pros

  • Competitive interest rates.
  • Flexible repayment terms.
  • Rate discounts for autopay, fuel-efficient vehicles, and premier members.
  • Quick loan approval and funding.
  • No prepayment penalty.
  • Available loans for borrowers without credit scores or limited credit history.
  • Pre-approval offered.
  • Convenient online application.
  • Co-applicants allowed.
  • Multiple payment options – online banking, mobile app, over the phone, by mail, and in a branch.
  • Car insurance discounts for members.

Cons

  • Membership required.
  • Undisclosed loan fees.
  • Unspecified minimum and maximum loan amounts.

FREQUENTLY ASKED QUESTIONS

How much interest does the Rogue charge on vehicle loans?

Rogue Credit Union charges as low as 6.99% APR for 2020 and newer vehicles. Then, 2019 and older auto loans begin at 7.24% APR.

Are Rogue Credit Union car loan interest rates fixed or variable?

Rogue’s auto loans come with fixed interest rates.

What is the maximum length of a Rogue Credit Union auto loan?

You can choose repayment terms as long as 84 months.

How long does Rogue Credit Union take to approve vehicle finance?

Rogue can approve and fund your loan within 1-2 business days.

How many pay slips does Rogue require during my car loan application?

When you apply, you need a copy of your W2 and last month’s pay stub.

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

Other than your personal, contact, and loan details, Rogue will also ask about your income and employment. And if you have a co-applicant, you also need to provide your co-borrower’s information.

Video: Start your adventure with 4 months no payments

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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