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Last Updated: 04/18/2025

Shell FCU Auto Loans

in Auto Loans from Shell Federal Credit Union

Last Updated: 04/18/2025

Shell Federal Credit Union logo
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Highlights

Amount Range

N/A

APR (Variable APR)

4.74% - 18.00%(Verified 06/21/2024)

Credit Score Range

600 - 850

Loan Term (Months)

Up to 84
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Shell FCU Auto Loans Review

Shell FCU Auto Loans is offered by Shell Federal Credit Union, a credit union founded in 1937 and based in Deer Park, TX. Shell FCU Auto Loans are available in 50 states and Washington, DC.

Shell FCU Auto Loans FAQ

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

Shell FCU Auto Loans offers a variable APR car loan product that ranges from 4.74% APR up to 18.00% 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 Shell FCU Auto Loans?

Shell FCU 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 Shell FCU Auto Loans charge an origination fee?

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

Does Shell FCU Auto Loans charge a late fee?

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

Does Shell FCU Auto Loans charge prepayment fees?

Yes, Shell 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 Shell FCU Auto Loans loan?

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

Applicants with a credit score of at least 600 and up to 850 may be eligible for Shell FCU Auto Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher.
Shell 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 Shell FCU 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
  • Proof of citizenship or residence permit

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

Yes, Shell 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 Shell Federal Credit Union perform a hard credit pull?

Yes, Shell 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 Shell Federal Credit Union a legit company?

Shell Federal 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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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

301 E Thirteenth St
Deer Park, TX 77536
(713) 844-1100
Visit Site
Email Support

Hours of Operation

Sunday
Closed
Monday
7:30AM - 6:00PM
Tuesday
7:30AM - 6:00PM
Wednesday
7:30AM - 6:00PM
Thursday
7:30AM - 7:00PM
Friday
7:30AM - 7:00PM
Saturday
8:00AM - 12:30PM

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