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Last Updated: 04/18/2025

Enrichment FCU Auto Loans

in Auto Loans from Enrichment Federal Credit Union

Last Updated: 04/18/2025

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Amount Range

N/A

APR (Fixed APR)

6.63% - 7.49%(Verified 06/21/2024)

Credit Score Range

N/A

Loan Term (Months)

36 - 96
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Enrichment FCU Auto Loans Review

Enrichment FCU Auto Loans is offered by Enrichment Federal Credit Union, a credit union founded in 1950 and based in Oak Ridge, TN. Enrichment FCU Auto Loans are available in 50 states, 5 US territories, and Washington, DC.

Enrichment FCU Auto Loans FAQ

What APR does Enrichment FCU Auto Loans offer on its car loans?

Enrichment FCU Auto Loans offers a fixed apr car loan product that ranges from 6.63% APR up to 7.49% 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 Enrichment FCU Auto Loans?

Enrichment FCU Auto Loans has car loans with terms ranging from 36 to 96 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 Enrichment FCU Auto Loans charge an origination fee?

Yes, Enrichment FCU Auto Loans may charge a loan origination fee .

Does Enrichment FCU Auto Loans charge a late fee?

Yes, Enrichment FCU Auto Loans charges borrowers with a late payment penatly fee

Does Enrichment FCU Auto Loans charge prepayment fees?

Yes, Enrichment FCU 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 Enrichment FCU Auto Loans loan?

Yes, you can. However, Enrichment FCU 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 Enrichment FCU Auto Loans?

Enrichment FCU 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.
Enrichment FCU 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 Enrichment FCU Auto Loans.
To qualify, applicants may need to provide the following documentation:
  • Driver's license or other government photo ID
  • Government issued photo ID
  • Proof of identity

Does Enrichment FCU Auto Loans report your account activity to credit bureaus?

Yes, Enrichment FCU 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 Enrichment Federal Credit Union perform a hard credit pull?

Yes, Enrichment FCU 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 Enrichment Federal Credit Union a legit company?

Enrichment Federal Credit Union was founded in 1950, it is a well-established company that has been in business for 76 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

201 S Illinois Ave
Oak Ridge, TN 37830
(800) 482-0049
Visit Site
Email Support

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 - 5:00PM
Saturday
Closed

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