Last Updated: 04/18/2025
Educators Credit Union Auto Loans
Unaffiliated
in Auto Loans from Educators Credit Union
Last Updated: 04/18/2025
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Highlights
Amount Range
$1,000 - $100,000
APR (Fixed APR)
Starting at 5.20%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
600 - 840
Loan Term (Months)
12 - 84
Educators Credit Union Auto Loans Review
Educators Credit Union Auto Loans is offered by Educators Credit Union, a credit union founded in 1937 and based in Racine, WI. Educators Credit Union auto loan are available in 1 state.
Educators Credit Union auto loan FAQ
How much can you borrow via Educators Credit Union auto loan?
Educators Credit Union auto loan loan amounts start at $1,000 and go up to $100,000.
What APR does Educators Credit Union auto loan offer on its car loans?
Educators Credit Union auto loan offers a fixed apr car loan product that ranges from 5.20% 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 Educators Credit Union auto loan?
Educators Credit Union auto loan has car loans with terms ranging from 12 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 Educators Credit Union auto loan charge an origination fee?
Yes, Educators Credit Union auto loan may charge a loan origination fee .
Does Educators Credit Union auto loan charge a late fee?
Yes, Educators Credit Union auto loan charges borrowers with a late payment penatly fee
Does Educators Credit Union auto loan charge prepayment fees?
Yes, Educators Credit Union auto loan 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 Educators Credit Union auto loan loan?
Yes, you can. However, Educators Credit Union auto loan 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 Educators Credit Union Auto Loans?
Applicants with a credit score of at least 600 and up to 840 may be eligible for Educators Credit Union Auto Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Educators Credit Union 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 Educators Credit Union Auto Loans.
To qualify, applicants may need to provide the following documentation:
- Loan payoff statements
- Applicants must have an active and valid personal checking account
- Proof of income
- Proof of insurance
- Driver's license or other government photo ID
- Government issued photo ID
- Proof of identity
- Proof of citizenship or residence permit
- Proof of residence
Does Educators Credit Union Auto Loans report your account activity to credit bureaus?
Yes, Educators Credit Union 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 Educators Credit Union perform a hard credit pull?
Yes, Educators 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 Educators Credit Union a legit company?
Educators Credit Union was founded in 1937, it is a well-established company that has been in business for 89 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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Message from Educators Credit Union auto loan
Hours of Operation
Sunday
Closed
Monday
9:00AM - 6:00PM
Tuesday
9:00AM - 6:00PM
Wednesday
9:00AM - 6:00PM
Thursday
9:00AM - 6:00PM
Friday
9:00AM - 6:00PM
Saturday
8:00AM - 1:00PM