Last Updated: 04/18/2025
St. Francis X FCU Auto & Truck Loans
Unaffiliated
Last Updated: 04/18/2025
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Highlights
Amount Range
N/A
APR (Fixed APR)
Starting at 6.00%(Verified 09/23/2024)
Credit Score Range
N/A
Loan Term (Months)
Up to 120
St. Francis X FCU Auto & Truck Loans Review
St. Francis X FCU Auto & Truck Loans is offered by St. Francis X Federal Credit Union, a credit union founded in 1951 and based in Petoskey, MI. St. Francis X FCU Auto & Truck Loans are available in 50 states, 5 US territories, and Washington, DC.
St. Francis X FCU Auto & Truck Loans FAQ
What APR does St. Francis X FCU Auto & Truck Loans offer on its car loans?
St. Francis X FCU Auto & Truck Loans offers a fixed apr car loan product that ranges from 6.00% 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 St. Francis X FCU Auto & Truck Loans?
St. Francis X FCU Auto & Truck Loans has car loans with a maximum term of 120 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 St. Francis X FCU Auto & Truck Loans charge an origination fee?
Yes, St. Francis X FCU Auto & Truck Loans may charge a loan origination fee .
Does St. Francis X FCU Auto & Truck Loans charge a late fee?
Yes, St. Francis X FCU Auto & Truck Loans charges borrowers with a late payment penatly fee
Does St. Francis X FCU Auto & Truck Loans charge prepayment fees?
Yes, St. Francis X FCU Auto & Truck 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 St. Francis X FCU Auto & Truck Loans loan?
Yes, you can. However, St. Francis X FCU Auto & Truck 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 St. Francis X FCU Auto & Truck Loans?
St. Francis X FCU Auto & Truck 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. St. Francis X FCU Auto & Truck 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 St. Francis X FCU Auto & Truck 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 St. Francis X FCU Auto & Truck Loans report your account activity to credit bureaus?
Yes, St. Francis X FCU Auto & Truck 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 St. Francis X Federal Credit Union perform a hard credit pull?
Yes, St. Francis X FCU Auto & Truck 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 St. Francis X Federal Credit Union a legit company?
St. Francis X Federal Credit Union was founded in 1951, it is a well-established company that has been in business for 75 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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Hours of Operation
Sunday
Closed
Monday
8:30AM - 5:00PM
Tuesday
8:30AM - 5:00PM
Wednesday
8:30AM - 12:00PM
Thursday
8:30AM - 5:00PM
Friday
8:30AM - 6:00PM
Saturday
8:30AM - 12:00PM