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USU Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 20 November 2023
Fact checked

USU Credit Union auto loans overview

USU Credit Union logo

You can buy your first or next vehicle through competitive auto financing options from USU Credit Union (USUCU). Whether you’re looking for a new or pre-owned ride or refinancing an existing vehicle, you can secure low rates, flexible terms, and minimal fees. Plus, you can finance a range of vehicles – cars, motorcycles, boats, RVs, and more.

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

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Undisclosed.
  • Interest rates: From 6.24% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: No application fees or hidden fees.
  • Discounts: Undisclosed.

USU CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

Whether you want to purchase or refinance, USUCU has auto loans that carry competitive rates and longer terms. New and used car loans start as low as 6.24% APR, and you can pay your loan for up to 84 months.

First-time auto buyer program

USUCU can also help you buy your first ride. Interest rates start at 6.24% APR, and terms are up to 72 months. Plus, you can get a free student checking account if you’re 14 to 25 years old. The credit union also offers a VISA debit card with up to $200 overdraft and a credit card with up to $500 limit.

RV and boat loans

If you’re up for an adventure, USUCU has loans for various recreational vehicles and boats, too. Starting at 7.99% APR, you can apply for new and used camper trailers, boats, and more. You can also pay your loan for as long as 144 months.

Motorcycle, ATV/UTV, and snowmobile loans

For thrill seekers, USU Credit Union also has tailored loans for motorcycles, ATVs, UTVs, snowmobiles, and personal watercraft. APRs can go as low as 8.49%, and terms can stretch up to 144 months.

USU 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
USU Charter Credit Union

USU Charter Credit Union auto loan

USU Charter 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 USU Charter 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 an USUCU auto loan

Eligibility criteria

While USU Credit Union doesn’t specify the criteria to qualify for loans, you should normally be:

  • 18 years old or older
  • A legal resident
  • A USUCU member
  • Employed or have a stable income

Other than these, you may also want to check your credit score. Remember that your rates will depend on multiple factors, including your credit history. So, ensuring you have an outstanding credit profile can help you negotiate better APRs and terms.

How to join the USU Credit Union

You can be a USUCU member if you meet any of the following criteria:

  • Employees, volunteers, students, or members of a Select Employer Group (SEG) or affiliated association and their immediate families
  • Employees, volunteers, students, or alumni of Utah State University, including USU extension campuses and offices and their immediate families
  • Employees, volunteers, or students of Utah Tech University and their immediate families
  • Live, work, worship, volunteer, or attend school in Weber County or Salt Lake County
  • Live in select parts of Cache, Davis, Salt Lake, Utah, and Washington Counties in Utah
  • Live in select parts of Ada, Bannock, Bingham, Bonneville, Butte, Canyon, Clark, Gem, Lemhi, Madison, Owyhee, or Twin Falls Counties in Idaho
  • Live in select parts of Umatilla County in Oregon
  • Members of the Utah PTA or Idaho
  • Attend school, your child or grandchild attends school, work, or volunteer at Box Elder, Davis, Logan, Madison Morgan, North Summit, or Washington
  • Family members of existing Goldenwest, USU Credit Union, and/or Healthcare Credit Union members

What you’ll need to have ready

Personal details

When you apply for auto financing with USU 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 USUCU 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.

It will also help you along the way if you have an idea about the loan application process. This can support you in weighing your choices and help you make guided decisions before accepting a loan offer.

Ways to apply for a USUCU auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 1-800-248-6361

Additional USU Credit Union auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed, but loan approval may take a day or more based on your application.
  • 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, mobile banking, 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 payment terms.
  • No application fees or hidden fees.
  • Purchase and refinance available.
  • Co-applicants allowed.
  • First-time auto buyer program available.
  • Available for new and used cars, recreational vehicles, motorcycles, ATVs, personal watercraft, and more.
  • Onsite financing available.
  • Convenient auto-buying services available.
  • Optional Guaranteed Asset Protection (GAP) offered.

Cons

  • Membership required.
  • Undisclosed minimum and maximum loan amounts.
  • Unspecified vehicle requirements.

FREQUENTLY ASKED QUESTIONS

Can I apply for a USU Credit Union auto loan online?

Yes. USUCU offers an easy online auto loan application. Moreover, you can sign your loan documents online.

How much interest does the USUCU charge on car loans?

New and used auto loans begin as low as 6.24% APR.

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

The credit union offers auto loans with fixed interest rates.

Does USU Credit Union refinance vehicle loans?

Yes. You can transfer your existing loan to lower your rate and monthly payments.

What is the maximum term of a USU Credit Union car loan?

USUCU’s car loans have terms of up to 84 months.

How many pay slips does USUCU require during my auto loan application?

Though credit unions vary in their requirements, you usually need your 2 most recent pay stubs when you apply.

Video: USU Credit Union welcome video

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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