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Consumers Credit Union

Consumers Credit Union auto loan review published 2023-01-01 at 00:00:00

Written by Rebecca Betterton Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers in navigating the details of using loans to buy a car.

Edited by Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate from late 2021. They are passionate about helping readers gain confidence to manage their finances through providing precise, well-researched and well-researched content that break down complex subjects into bite-sized pieces.

Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make better financial choices by offering interactive financial calculators and tools as well as publishing original and objective content. This allows you to conduct your own research and analyze data for no cost and help you make financial decisions with confidence. Bankrate has agreements with issuers such as, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The deals that are displayed on this website are provided by companies that compensate us. This compensation may impact how and where products are displayed on the site, such as, for example, the order in which they may appear within the listing categories, except where prohibited by law for our mortgage home equity, mortgage and other products for home loans. This compensation, however, does have no impact on the content we publish or the reviews you see on this site. We do not include the universe of companies or financial offers that may be accessible to you.

Reviewer’s disclosure Reviewers are supervised by staff. The opinions expressed are solely those of the reviewer , and are not reviewed or accepted by any advertiser. The information such as rates and charges that are included in the review are accurate up to the date when the review first appeared. Look over the information at the top of this page and the lender’s website for the most recent details.

A look 4.1 Rating: 4.1 stars out of 5

Bankrate Score

Availability Rating: 4.5 stars out of 5

The Affordability Score: 3.8 stars out of five

Customer Experience Rating: 4.2 stars out of five

Transparency Rating: 4 5 stars.

Check rates for auto loan rates

About Consumers Credit Union Loan amount Not specified

Min. credit score not specified

APR that starts at 5.24%

Funds available in Not specified

Pros and cons of Consumers Credit Union auto loans Before signing off on an application, take note of the advantages and disadvantages of the Consumers Credit Union auto loan.

PROS In-person availability

TrueCar purchasing service

Preapproval available

CONS Unknown loan amounts

The requirement for membership

Consumers Credit Union (CCU) is a member-owned credit union that provides used, new as well as auto refinance loans. While you must be an existing member, you can be accepted for just a $5 cost and a deposit of another $5 or more into any of their bank accounts. CCU has numerous brick-and-mortar locations throughout the United States, along the online registration procedure which allows customers to search for and finance a car.

Do you qualify? CCU does not disclose any specific requirements. However, the most favorable rates are usually offered to drivers with a strong credit score since credit is used as the main factor in determining approval by CCU. We like what we see and dislike. Although certain loan particulars aren’t made public, CCU does offer many benefits and discounts to loan holders. What we like In-person availability. CCU has numerous branches across the country. TrueCar purchasing service. The partnership with the car-buying service lets to save money. In addition, you will be able to find the ideal car and secure financing in one location. Preapproved financing. Drivers can access the online preapproval tool to verify the amount of financing without affecting their scores on credit. What we don’t like Undisclosed loan amounts. CCU doesn’t disclose loan amounts for used, new and refinance loans. Membership prerequisites. You must be a member of CCU in order to get an auto loan approval. Contact details Consumers Credit Union CCU offers assistance to customers Monday through Friday between 8 a.m. until 6:30 p.m. CT and on Saturdays from 8 a.m. to 2.30 p.m. CT. Along with help available over the phone, any questions can be answered via secure messaging on the website.

Auto loan types offered Consumers Credit Union offers auto loans for used and new vehicles , in addition to an option to refinance your vehicle. Used and new purchases are eligible for loan

The loan quick facts are include: 36 to 84 months APR: Beginning at 4.94 percent

Financing for a used or new vehicle with CCU holds no minimum requirement and is available either online as well as in-person. If you choose to shop through the available car-buying service, you can enjoy additional savings. Prequalification is offered regardless of whether you decide to use the car-buying service.


Quick facts about loans Terms: 36 to 84 months APR: From 4.94%

Refinancing is a great option to cut down on your monthly installments and leave with the best loan. Or you can select the shorter loan time frame than you have to pay your outstanding balance faster. Details regarding refinancing are available by calling an loan expert at CCU. How do you apply for the loan with Consumers Credit Union The loan application procedure can be completed fully online, at one of the CCU branches or by phone. The process is a simple five steps.

Steps to apply Submit the application. You can fill out the application via the internet or over the phone. You will need to provide your SSN along with basic contact details. This is not a hard credit pull. However, if you are approved you will go through a full credit check. Discuss details. You will be called by an CCU rep who’ll share available rates and terms. Find the perfect car. You now can begin your search with an idea of your expected monthly payments. The most competitive rates are available to customers who utilize the Consumers Car Buying Service. If you’re looking to refinance, you’ll need to provide information about your current loan. Complete documentation. After choosing a vehicle you will send the purchase agreement to CCU by email or via fax. Then you must sign off on the documents on the internet or in a CCU branch. The dealership will receive the funds. In the end, CCU will send the loan check directly to the dealer, or you may pick it up yourself.

Information required for application: Application information: Name, Social Security number and birthdate Address Email address, as well as phone number Employment information Information on income

Consumers Credit Union FAQs

Do Consumer Credit Union offer a rate reduction if you are enrolled in autopay? Yes. Auto loan applicants get an 0.25 percent rate reduction to make their auto loan less expensive.

Are there any guarantees that Consumer Credit Union offer extended warranties as well as guarantee assets protection (GAP)? Consumer Credit Union does not provide extended warranties, however it has partnered with ForeverCar to offer affordable mechanical repair coverage for borrowers. However, the borrowers are able to purchase GAP insurance directly from The credit union time of the purchase.

What is the procedure? Bankrate rates Consumers Credit Union

Overall score


The availability


Even though loan amounts are not disclosed, CCU offers three auto loan products in every state in the 50 states.



CCU employs traditional acceptance criteria. It has an APR that is middle of the road, however it does not disclose it’s maximum rate.

Customer experience


CCU offers a user-friendly website and offers almost seven days a week of customer service that is available in a variety of hours.



CCU allows borrowers to get prequalified without a hard credit test however, it doesn’t provide all of its loan details online.

Methodology Bankrate considers 18 data points when evaluating auto loan lenders. Criteria for acceptance, whether fees and rates are available and the APR range all affect lender scores. These scores are broken up in to four groups. Availability : Loan amounts and repayment options, dealership requirements, and availability in the state all contribute to this category. Affordability: This section houses APR ranges and acceptance criteria, as well as discounts and fees. Customer experience: How long you’re required to shop, the customer service accessibility, and whether there’s an app and autopay availability are covered in this section. Transparency: This category is responsible for the accessibility of rates and fees along with the availability of prequalification.

Disclosure of author: All reviews are prepared by staff. The opinions expressed in the review are only the opinions of the reviewer and have not been checked or accepted by any advertiser. The information, including rates and fees provided in the review are accurate at the time that the review was written. Look over the information on the right, and the lender’s website for the most up-to-date information.

Written by

Rebecca Betterton

Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers in navigating the ways and pitfalls of using loans to buy an automobile.

Editor: Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate since the end of 2021. They are passionate about helping readers gain the confidence to take control of their finances through providing concise, well-studied data that makes otherwise complicated topics into bite-sized pieces.

Auto loans editor



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How we make money is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for the placement of sponsored products and, services, or for you clicking specific links on our site. So, this compensation can influence the manner, place and in what order products appear within listing categories, with the exception of those prohibited by law for our mortgage home equity, mortgage and other home loan products. Other factors, like our own rules for our website and whether a product is available in your region or within your self-selected credit score range can also impact the manner in which products appear on this site. We strive to offer a wide range offers, Bankrate does not include information about every credit or financial product or service. Bankrate, LLC NMLS ID# 1427381 | BR Tech Services, Inc. NMLS ID #1743443 |


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