Is Consumers CU Auto Loan the right fit for you?
Auto Loans
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Last Updated: 11/24/2025
Consumers CU Auto Loan
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Last Updated: 11/24/2025
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Highlights
Community Rating
Strongly recommended
Amount Range
$5,000 - $150,000
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APR (Fixed APR)
Starting at 3.99%(Verified 11/24/2025)
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Credit Score Range
640 - 840
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Loan Term (Months)
6 - 84
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Number of Reviews
Consumers CU Auto Loan Review
Consumers CU Auto Loan is offered by Consumers Credit Union, a credit union founded in 1930 and based in Lake Forest, IL. Consumers Credit Union auto loan are available in 50 states and Washington, DC.
Consumers Credit Union auto loan FAQ
How much can you borrow via Consumers Credit Union auto loan?
Consumers Credit Union auto loan loan amounts start at $5,000 and go up to $150,000.
What APR does Consumers Credit Union auto loan offer on its car loans?
Consumers Credit Union auto loan offers a fixed apr car loan product that ranges from 3.99% APR. Rate is quoted with autopay discount*.
Not all applicants may qualify for the fixed base rate. Your rate is determined by your credit history. Rates listed include applicable discounts of 0.25% APR, for details please ask a CCU Rep. VISA, variable, real estate, share secure and existing CCU loans are excluded from any rate deductions. Rates as low as 3.99% APR* with CCU's Car Buying Service OR as low as 4.49% APR* without it.What is the maximum auto loan term you can get with Consumers Credit Union auto loan?
Consumers Credit Union auto loan has car loans with terms ranging from 6 to 84 months. Having the option of longer terms -- some lenders offer terms that 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 Consumers Credit Union auto loan charge an origination fee?
Yes, Consumers Credit Union auto loan may charge a loan origination fee .
Does Consumers Credit Union auto loan charge a late fee?
Yes, Consumers Credit Union auto loan charges borrowers with a late payment penalty fee of up to $29
Does Consumers Credit Union auto loan charge prepayment fees?
No, Consumers Credit Union auto loan will not charge you a fee for paying your loan early. Whenever possible choose lenders like Consumers Credit Union auto loan that don't charge a prepayment fee. These fees can reduce or even cancel the interest savings of repaying a loan early.
Can I pay off early my Consumers Credit Union auto loan loan?
Yes, you can. Consumers Credit Union auto loan does not charge a prepayment fee, so you can save money by paying your car loan early.
What do you need to qualify for Consumers CU Auto Loan?
Applicants with a credit score of at least 640 and up to 840 may be eligible for Consumers CU Auto Loan. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Consumers CU Auto Loan does not have or does not disclose a minimum annual income eligibility requirement. Note that borrowers can add a cosigner to either meet eligibility requirements or qualify for lower interest rates.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Consumers CU Auto Loan.
To qualify, applicants may need to provide the following documentation:
- Proof of income
- Proof of insurance
- Driver's license or other government photo ID
- Government issued photo ID
- Proof of identity
Does Consumers CU Auto Loan report your account activity to credit bureaus?
Yes, Consumers CU Auto Loan reports to the following credit bureaus:
- 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 build your credit.
Does Consumers Credit Union perform a hard credit pull?
Yes, Consumers Credit Union auto loan performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Is Consumers Credit Union a legit company?
Consumers Credit Union was founded in 1930, it is a well-established company that has been in business for 96 years. Based on their "strongly recommended" SuperMoney community rating, they appear to be a very reputable company.
Consumers CU Auto Loan Disclosure: *APR is Annual Percentage Rate. Rates accurate as of: 04/14/2025. Rates are subject to
change, and can vary based on credit worthiness, CCU Member discounts, age of vehicle, and terms of the loan. Offer subject to credit approval. Rate applies to 2023 and newer vehicles with a loan term of up to 60 months (based on credit worthiness). Call for rates on older model vehicles. Loan amount will be determined by income and other factors. The rate listed includes an additional 0.50% APR discount for buying through our Car Buying Service. To receive this discount, an auto loan must be booked through CCU, and auto purchase must be made at a certified dealer through CCU’s Car Buying Service purchasing process. The rate listed also assumes an automatic payment method. For details please visit https://www.myconsumers.org/borrow/loans/rate-discounts. Individual rates may vary based on credit score and other factors. An example of payment terms are as follows: an amount financed of $20,000 with an APR of 3.99% and a term of 60 months would have a monthly payment of $368.00. View rates on model years 2018 and older.
**Rates listed include applicable discounts of 0.25% APR.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 6:00PM
Saturday
9:00AM - 1:00PM
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SuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +100, or 5 on a 5-point rating scale.
+100
-1000+100
No one recommends
Everyone recommends
Consumers CU Auto Loan Community Reviews
Would you recommend Consumers CU Auto Loan to your friends?
MR
Megan R.
May 7, 2022
May or may not recommend
The customer service is great! The interest rates aren't bad and they walk you through every step of the way.
Christopher R.
Apr 16, 2022
May or may not recommend
Being new to loans and finances, they were willing to walk me though the steps on what and how everything was going down. I was pleased with customer services and how low interest rates were. Help me out quite a bit and I should be able to pay it off in a fair amount.
CD
Cedric D.
Aug 20, 2021
May or may not recommend
When I got my first car, I was browsing for the most inexpensive insurance rates I could find. That was when I found Consumers Credit Union. Their customer service was seamless, and the rates were so low that I was actually able to save a great deal of money. I would definitely recommend this for someone who are tight on their cash!
AF
Anthony F.
Apr 22, 2021
May or may not recommend
Consumers Credit union was the first ever company that I tried in the past that actually walked us thru the steps on how everything worked and even offered my wife and I a higher loan amount than we were asking for. It came with a very low interest rate we were not expecting hear. If you are getting an auto loan for the first time and would like someone to ...Show More
Brett S.
Apr 3, 2021
May or may not recommend
If you have the credit for one of these loans, I would highly recommend it. The rates are very fair and low, and there are plenty of great extra features to consider. For example, you can apparently get mechanical repair coverage and additional discounts if you are a member of their credit union. If you're someone who doesn't have the financial resources to get a car you really need and/or ...Show More
Sade A.
Jan 7, 2021
May or may not recommend
Getting our car loan through Consumers Credit Union Auto Loan was pain-free. They offered us the best price as well. Their website shows you a task list which helps you to stay on top of things. I was able to contact a knowledgeable expert at any time through the process.
MP
Matt P.
Dec 5, 2020
May or may not recommend
As my family works in the automotive industry primarily i can say Consumers Credit Union Auto Loan Auto Loans is used by many dealerships across the country and was satisfactory to the end goal (purchasing a car) for customers of multiple dealerships personally witnessed. It seems to be the go to Auto Loan offering for many car dealerships as it is trusted and extremely flexible for anyone trying to get ...Show More
OL
Oyalola L.
Oct 29, 2020
May or may not recommend
Unlike other companies with a very long and discouraging registration process, registering here wasn’t so time-consuming and confusing. I don’t have the best credit, but I was connected with a dealer who worked with me and I was soon able to get my own car. It took me a while to pay off my loan, so my interest kind of hiked, but the Customer service was very helpful and I ...Show More
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