Community First Credit Union New and Used Auto Loans Review

Community First Credit Union New and Used Auto Loans is offered by Community First Credit Union, a credit union founded in 1959 and based in Santa Rosa, CA. Community First Credit Union New and Used Auto Loans is available in 1 state across the USA.

What APR does Community First auto offer on its car loans?

Community First auto offers a fixed apr car loan product that ranges from 2.70% 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 Community First auto?

Community First auto has car loans with terms ranging from 24 to 84 months. Having the option of longer terms -- terms can range up to 144 months -- allows borrowers to take on larger auto loan amounts while keeping monthly payments more affordable. However, the longer the term of your auto loan, the more interest you will pay.

Does Community First auto charge an origination fee?

Yes, Community First auto may charge a loan origination fee.

Does Community First auto charge a late fee?

Yes, Community First auto charges borrowers with a late payment penatly fee

Does Community First auto charge prepayment fees?

Yes, Community First auto 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 Community First auto loan?

Yes, you can. However, Community First auto 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 Community First Credit Union New and Used Auto Loans?

Applicants with a credit score of at least 599 and up to 720 may be eligible for Community First Credit Union New and Used Auto Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Community First Credit Union New and Used Auto Loans does not have or does not disclose a minimum annual income eligibility requirement. Community First Credit Union New and Used Auto Loans only considers borrowers who are employed.

U.S. citizens are, of course, eligible for the services offered by Community First Credit Union New and Used Auto Loans. Permanent resident / green card holders are also eligible to apply.

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

• Driver's license
• Government issued photo ID
• Proof of identity
• Proof of citizenship or residence permit

Does Community First Credit Union New and Used Auto Loans report your account activity to credit bureaus?

Yes, Community First Credit Union New and Used Auto Loans reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.