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Last Updated: 04/18/2025

Des Moines Metro CU Auto Loans

in Auto Loans from Des Moines Metro Credit Union

Last Updated: 04/18/2025

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Highlights

Amount Range

$15,000 - $25,000

APR (Variable APR)

5.49% - 6.69%(Verified 06/21/2024)

Credit Score Range

N/A

Loan Term (Months)

1 - 75
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Des Moines Metro CU Auto Loans Review

Des Moines Metro CU Auto Loans is offered by Des Moines Metro Credit Union, a credit union founded in 1938 and based in Des Moines, IA. Des Moines Metro CU Auto Loans are available in 50 states and Washington, DC.

Des Moines Metro CU Auto Loans FAQ

How much can you borrow via Des Moines Metro CU Auto Loans?

Des Moines Metro CU Auto Loans loan amounts start at $15,000 and go up to $25,000.

What APR does Des Moines Metro CU Auto Loans offer on its car loans?

Des Moines Metro CU Auto Loans offers a variable APR car loan product that ranges from 5.49% APR up to 6.69% 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 Des Moines Metro CU Auto Loans?

Des Moines Metro CU Auto Loans has car loans with terms ranging from 1 to 75 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 Des Moines Metro CU Auto Loans charge an origination fee?

Yes, Des Moines Metro CU Auto Loans may charge a loan origination fee .

Does Des Moines Metro CU Auto Loans charge a late fee?

Yes, Des Moines Metro CU Auto Loans charges borrowers with a late payment penatly fee

Does Des Moines Metro CU Auto Loans charge prepayment fees?

Yes, Des Moines Metro CU 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 Des Moines Metro CU Auto Loans loan?

Yes, you can. However, Des Moines Metro CU 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 Des Moines Metro CU Auto Loans?

Des Moines Metro CU 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.
Des Moines Metro CU Auto Loans 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 Des Moines Metro CU Auto Loans.
To qualify, applicants may need to provide the following documentation:
  • Proof of income
  • Driver's license or other government photo ID
  • Proof of identity

Does Des Moines Metro CU Auto Loans report your account activity to credit bureaus?

Yes, Des Moines Metro CU Auto Loans 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 Des Moines Metro Credit Union perform a hard credit pull?

Yes, Des Moines Metro CU Auto Loans 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 Des Moines Metro Credit Union a legit company?

Des Moines Metro Credit Union was founded in 1938, it is a well-established company that has been in business for 88 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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Contact

Headquarters

100 University Ave
Des Moines, IA 50314
(515) 283-4195
Visit Site
Email Support

Hours of Operation

Sunday

Closed

Monday

9:00AM - 5:30PM

Tuesday

9:00AM - 5:30PM

Wednesday

9:00AM - 5:30PM

Thursday

9:00AM - 5:30PM

Friday

8:00AM - 5:30PM

Saturday

Closed

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