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Last Updated: 11/24/2025

Consumers CU Auto Loan

in Auto Loans from Consumers Credit Union

Last Updated: 11/24/2025

Consumers CU Auto Loan logo
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Strongly recommended8 total votes
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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

8
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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*.
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 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 -- 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 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 penatly 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.
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.

Contact

Headquarters

300 N Field Dr.
Lake Forest, IL 60045
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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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