Atlantic FCU Auto Loans
Atlantic FCU Auto Loans
in Auto Loans from Atlantic Federal Credit Union

Atlantic FCU Auto Loans

in Auto Loans from Atlantic Federal Credit Union
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Loan Amount N/A
APR  (Variable APR) 4.99% - 7.99%
(Verified 09/29/2023)
Loan Term (Months) Up to 180 months
Credit Score Range N/A

Atlantic FCU Auto Loans Review

Atlantic FCU Auto Loans is offered by Atlantic Federal Credit Union, a credit union founded in 1941 and based in Brunswick, ME. Atlantic FCU Auto Loans are available in 50 states (and Washington, DC).

Atlantic FCU Auto Loans FAQ

What APR does Atlantic FCU Auto Loans offer on its car loans?

Atlantic FCU Auto Loans offers a variable APR car loan product that ranges from 4.99% APR up to 7.99% APR.

Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

What is the maximum auto loan term you can get with Atlantic FCU Auto Loans?

Atlantic FCU Auto Loans has car loans with a maximum term of 180 months. Having the option of longer terms allows borrowers to take on larger auto loan amounts while keeping monthly payments more affordable. However, the longer the term of your car loan, the more interest you will pay.

Does Atlantic FCU Auto Loans charge an origination fee?

Yes, Atlantic FCU Auto Loans may charge a loan origination fee.

Does Atlantic FCU Auto Loans charge a late fee?

Yes, Atlantic FCU Auto Loans charges borrowers with a late payment penatly fee

Does Atlantic FCU Auto Loans charge prepayment fees?

Yes, Atlantic FCU Auto Loans does charge borrowers a fee if they pay their loans early. Consider prepayment fees when you choose a lender because prepayment can reduce or even cancel the interest savings of repaying a loan early.

Can I pay off early my Atlantic FCU Auto Loans loan?

Yes, you can. However, Atlantic FCU Auto Loans charges a prepayment fee if you pay your car loan early. This fee could reduce or eliminate the savings from paying the car loan early.

What do you need to qualify for Atlantic FCU Auto Loans?

Atlantic FCU Auto Loans does not require or does not disclose a credit score minimum. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Atlantic FCU Auto Loans does not have or does not disclose a minimum annual income eligibility requirement. Atlantic FCU Auto Loans only considers borrowers who are employed. Note that borrowers can add a cosigner or a co-borrower to either meet eligibility requirements or qualify for lower interest rates.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Atlantic FCU Auto Loans. Their rates fall within the limits of The Military Lending Act.

U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Atlantic FCU Auto Loans.

To qualify, applicants may need to provide the following documentation:

  • Proof of income
  • Driver's license
  • Proof of identity
  • Proof of citizenship or residence permit

Is Atlantic Federal Credit Union a legit company?

Atlantic Federal Credit Union was founded in 1941, it is a well-established company that has been in business for 82 years.

Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

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  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Joint Loan Applications Accepted
  • Co-borrower
  • Cosigner
  • Individual Applications
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Cash
  • 1099 Misc. Income
  • Tax Returns
Vehicle Type
  • Auto
  • Motorcycles
  • Boats
  • RVs
  • ATVs
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
  • Proof of Income
  • Proof of Identity
  • Social Security Number
APR Type Variable APR
APR (Variable APR) 4.99% - 7.99%
(Verified 09/29/2023)
Loan Term Up to 180 months

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