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Last Updated: 04/18/2025

Journey Federal CU Vehicle Loans

in Auto Loans from Journey Federal Credit Union

Last Updated: 04/18/2025

Journey Federal Credit Union logo
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Amount Range

N/A

APR (Variable APR)

Starting at 7.45%(Verified 06/21/2024)

Credit Score Range

N/A

Loan Term (Months)

N/A

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Journey Federal CU Vehicle Loans Review

Journey Federal CU Vehicle Loans is offered by Journey Federal Credit Union, a credit union founded in 1972 and based in Saint Johns, MI. Journey Federal CU Vehicle Loans are available in 50 states and Washington, DC.

Journey Federal CU Vehicle Loans FAQ

What APR does Journey Federal CU Vehicle Loans offer on its car loans?

Journey Federal CU Vehicle Loans offers a variable APR car loan product that ranges from 7.45% 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.

Does Journey Federal CU Vehicle Loans charge an origination fee?

Yes, Journey Federal CU Vehicle Loans may charge a loan origination fee .

Does Journey Federal CU Vehicle Loans charge a late fee?

Yes, Journey Federal CU Vehicle Loans charges borrowers with a late payment penatly fee

Does Journey Federal CU Vehicle Loans charge prepayment fees?

Yes, Journey Federal CU Vehicle 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 Journey Federal CU Vehicle Loans loan?

Yes, you can. However, Journey Federal CU Vehicle 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 Journey Federal CU Vehicle Loans?

Journey Federal CU Vehicle 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.
Journey Federal CU Vehicle 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 Journey Federal CU Vehicle Loans.
To qualify, applicants may need to provide the following documentation:
  • Driver's license or other government photo ID
  • Proof of identity
  • Proof of citizenship or residence permit

Does Journey Federal CU Vehicle Loans report your account activity to credit bureaus?

Yes, Journey Federal CU Vehicle 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 Journey Federal Credit Union perform a hard credit pull?

Yes, Journey Federal CU Vehicle 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 Journey Federal Credit Union a legit company?

Journey Federal Credit Union was founded in 1972, it is a well-established company that has been in business for 54 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

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

1200 Zeeb Dr
Saint Johns, MI 48879
(989) 227-3700
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
9:00AM - 12:00PM

Other Services by Journey Federal Credit Union