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Xplore Federal Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 26 November 2023
Fact checked

Xplore Federal Credit Union auto loans overview

Xplore Federal Credit Union logo

Xplore Federal Credit Union has been serving its members since 1947. Whether you’re a first-time buyer or looking to upgrade, Xplore boasts vehicle loans that carry low interest rates and long repayment plans. Other than pre-owned and new cars, members can secure financing for RVs, boats, campers, motorcycles, and more.

Want to see what an Xplore auto loan will cost? Try the Xplore Federal 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 Xplore Federal Credit Union auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Up to 120%.
  • Interest rates: As low as 5.99% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: Undisclosed.

XPLORE FEDERAL CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

Xplore offers competitive car loans with repayment periods stretching up to 84 months. New auto loans start as low as 5.99% APR. Then, used auto loans have rates from 6.49% APR. Plus, you can refinance your existing auto loan for as low as 5.49% APR for up to 84 months.

First-time auto loans

If you have little or no credit history at all, you can still finance your first vehicle. Interest rates start at 7.99% APR, and you can pay your loan for up to 60 months.

Recreational vehicle loans

You can finance a range of new and used recreational vehicles, too. Rates can be as low as 8.24% APR, and you can finance up to 110% depending on the type of vehicle. Terms can be up to 144 months for boats, RVs, and campers and 60 months for motorcycles.

Xplore Federal 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
Xplore Federal Credit Union

Xplore Federal Credit Union auto loan

Xplore Federal 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 Xplore Federal 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 Xplore Federal Credit Union auto loan

Eligibility criteria

Xplore doesn’t disclose the requirements, but you normally should be:

  • An Xplore Federal Credit Union member
  • 18 years old or older
  • A legal resident
  • Employed or have a dependable source of income

Remember that your rate may vary based on your credit score, loan term, and loan-to-value. So, ensure you have good credit to improve your chances of qualifying for the credit union’s lowest rate.

How to join Xplore Federal Credit Union

You can be an Xplore FCU member if you live, work, worship, or attend school in Jefferson, Orleans, or St. Tammany Parishes.

What you’ll need to have ready

Personal details

When you apply for auto financing with Xplore Federal 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 Xplore 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.

Knowing the steps in getting a loan can also help you along the way. You can have a better understanding of your eligibility and how to secure favorable loan offers.

Ways to apply for an Xplore FCU auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 888-897-5673

Additional Xplore FCU auto loan details

  • Automatic payment: Available.
  • Rate discounts: Potential lower rates for members with excellent credit.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: None.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Hardship program: Skip-a-pay available.
  • Ways to repay: Online, autopay, bill pay, 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.
  • Fixed rates for easier budgeting.
  • Flexible terms.
  • Up to 120% financing.
  • No payments for up to 45 days.
  • No prepayment penalties.
  • Convenient auto-buying services.
  • Easy online application.
  • Pre-approval available.
  • Optional mechanical repair coverage, guaranteed auto protection (GAP), and debt protection plans available.

Cons

  • Membership required.
  • Undisclosed loan fees.
  • Unspecified vehicle requirements.

FREQUENTLY ASKED QUESTIONS

How much interest does Xplore charge on auto loans?

New auto loans have rates from 5.99% APR, while used auto loans start at 6.49% APR.

Are Xplore Federal Credit Union car loan interest rates fixed or variable?

Xplore’s auto loans come with fixed interest rates.

What is the maximum term of Xplore FCU vehicle loans?

Car loans have terms of up to 84 months.

Does Xplore refinance car loans?

You can refinance auto loans to Xplore and lower your rate or adjust your term.

Can I repay my Xplore auto loan early?

Yes. The credit union doesn’t charge prepayment penalties when you pay off your loan earlier.

How much do I qualify for with Xplore FCU vehicle financing?

You may finance up to 120% from the credit union.

How do I pay my Xplore Federal Credit Union car loan?

Auto loans have multiple payment options – online, autopay, bill pay, over the phone, by mail, and in person.

Video: Xplore Auto commercial

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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