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Triangle Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 10 November 2023
Fact checked

Triangle Credit Union auto loans overview

Triangle Credit Union logo

Established in 1939, Triangle Credit Union offers financial services in multiple branch locations across Nashua, Manchester, Merrimack, Amherst, and Derry. Triangle CU has a range of auto financing options for cars, motorcycles, recreational vehicles, and more. Besides competitive rates and long terms, qualified borrowers can also lock in up to 115% financing and rate discounts.

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

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Up to 115%.
  • Interest rates: From 7.25% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: Rate discounts for direct deposit (payroll with automatic payment method or direct payment authorization).

TRIANGLE CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

Whether you’re looking for pre-owned or new models, Triangle CU offers workable auto loans. For as low as 7.25% APR, you can apply online today and purchase or refinance your vehicle for up to 66 months. If you want to stretch your repayments for up to 84 months, rates begin at 9% APR.

Recreational vehicle loans

Triangle Credit Union offers loans for different recreational vehicles, too. You can finance new and used motorhomes, campers, boats, snowmobiles, ATVs, and more. For campers, motorhomes, and boats, rates begin at 8.24% APR, and terms are as long as 180 months. Meanwhile, snowmobiles, ATVs, and others have rates from 8.50% APR and repayment periods of up to 60 months.

Motorcycle loans

If you want to finance your two-wheel ride, you can also do so at Triangle. Rates start at 8.25% APR for 2018 and newer models and 8.75% APR for 2017 and older models. Then, terms can stretch up to 72 months depending on your collateral.

Auto equity loans

If you need to borrow money and you have equity in your vehicle, you can opt for an auto equity loan. Interest rates start at 9% APR, and terms can be up to 60 months. Plus, you can borrow up to 100% of the NADA retail.

Triangle 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
Triangle Credit Union

Triangle Credit Union auto loan

Triangle 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 Triangle 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 Triangle auto loan

Eligibility criteria

Even if Triangle Credit Union doesn’t reveal the exact requirements for vehicle loans, you should normally be:

  • 18 years old or older
  • A legal resident
  • A Triangle CU member
  • Employed or have a steady source of income

In general, each lender offers its best loans to applicants with excellent credit. So, try to build your credit so that you can increase your chances of getting approved and securing better rates and terms.

How to join Triangle Credit Union

You can be a Triangle CU member as long as you meet one of the following criteria:

  • Work or reside in selected counties of Massachusetts (Franklin, Worcester, Middlesex, or Essex)
  • Work or reside in selected counties of New Hampshire (Hillsborough, Merrimack, Belknap, Rockingham, or Cheshire)

What you’ll need to have ready

Personal details

When you apply for auto financing with Triangle 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 Triangle 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 refinancing your current loan, the credit union will need more details about your vehicle. You need to provide the vehicle’s year, make, and model. Having these details on hand can speed up your https://www.seeloans.com/get-auto-loan-5-steps/.

Ways to apply for a Triangle CU auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call (603) 889-2470 or (800)276-2470

Additional Triangle Credit Union auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed, but loan approval may take a day or more based on your situation.
  • Rate discounts: 0.25% rate reduction for direct deposits.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Hardship program: Undisclosed.
  • Ways to repay: Online banking, mobile banking, over the phone, and Interactive Teller Machine (ITM).

Vehicle restrictions and limitations

  • Maximum vehicle age: Undisclosed.
  • Maximum vehicle mileage: 75,000 miles for 2019 and newer models with 75-month terms.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Competitive rates.
  • Long payment terms.
  • Instant loan pre-approval.
  • Easy application through the website.
  • Up to 115% financing.
  • 0.25% rate discounts for direct deposits.
  • 60 or 90-day deferred payment option.
  • Convenient auto-buying services available.
  • Optional extended warranty and GAP coverage offered.
  • Purchase and refinance available.
  • Co-applicants and co-signers allowed.

Cons

  • Limited to members.
  • Undisclosed loan fees.
  • Potential higher rates for borrowers with low credit scores.

FREQUENTLY ASKED QUESTIONS

How much interest does Triangle Credit Union charge on auto loans?

New and used car loans have rates starting at 7.25% APR.

What is the maximum term of a Triangle CU vehicle loan?

The credit union offers terms extending up to 84 months.

Does Triangle Credit Union refinance auto loans?

Yes. You can refinance your existing car loan and choose to defer your payment for up to 60 days.

Are there discounts available on Triangle CU car loans?

Triangle offers a 0.25% rate discount for direct deposits (payroll with automatic payment method or direct payment authorization).

How much do I qualify for with a Triangle CU auto loan?

You may borrow up to 115%. Plus, you may finance extended warranty and GAP coverage, too.

How can I contact Triangle Credit Union about my auto loan?

You can reach out to Triangle CU at (603) 889-2470 or (800)276-2470.

Video: Triangle Credit Union – A better way to “bank”

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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