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Last Updated: 04/18/2025

Radiant Credit Union Auto Loans

in Auto Loans from Radiant Credit Union

Last Updated: 04/18/2025

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Amount Range

N/A

APR (Fixed APR)

Starting at 5.99%(Verified 06/21/2024)

Credit Score Range

N/A

Loan Term (Months)

Up to 84
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Radiant Credit Union Auto Loans Review

Radiant Credit Union Auto Loans is offered by Radiant Credit Union, a credit union founded in 1957 and based in Gainesville, FL. Radiant Credit Union Auto Loans are available in 50 states and Washington, DC.

Radiant Credit Union Auto Loans FAQ

What APR does Radiant Credit Union Auto Loans offer on its car loans?

Radiant Credit Union Auto Loans offers a fixed apr car loan product that ranges from 5.99% 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 Radiant Credit Union Auto Loans?

Radiant Credit Union Auto Loans has car loans with a maximum term of 84 months. Having the option of longer terms allows borrowers to take on larger auto loan amounts while keeping monthly payments more affordable. However, the longer the term of your car loan, the more interest you will pay.

Does Radiant Credit Union Auto Loans charge an origination fee?

Yes, Radiant Credit Union Auto Loans may charge a loan origination fee .

Does Radiant Credit Union Auto Loans charge a late fee?

Yes, Radiant Credit Union Auto Loans charges borrowers with a late payment penatly fee

Does Radiant Credit Union Auto Loans charge prepayment fees?

No, Radiant Credit Union Auto Loans will not charge you a fee for paying your loan early. Whenever possible choose lenders like Radiant Credit Union Auto Loans 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 Radiant Credit Union Auto Loans loan?

Yes, you can. Radiant Credit Union Auto Loans does not charge a prepayment fee, so you can save money by paying your car loan early.

What do you need to qualify for Radiant Credit Union Auto Loans?

Radiant Credit Union 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.
Radiant 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 Radiant Credit Union 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 Radiant Credit Union Auto Loans report your account activity to credit bureaus?

Yes, Radiant 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 Radiant Credit Union perform a hard credit pull?

Yes, Radiant Credit Union 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 Radiant Credit Union a legit company?

Radiant Credit Union was founded in 1957, it is a well-established company that has been in business for 69 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

4440 NW 25th Pl.
Gainesville, FL 32606
(352) 381-5200
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

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