Last Updated: 07/11/2025
State Employees' Credit Union New Auto Loan
Unaffiliated
Last Updated: 07/11/2025
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Highlights
Amount Range
N/A
APR (Fixed APR)
5.50% - 10.75%(Verified 06/21/2024)
Credit Score Range
N/A
Loan Term (Months)
Up to 96
State Employees' Credit Union New Auto Loan Review
State Employees' Credit Union New Auto Loan is offered by State Employees Credit Union, a credit union founded in 1937 and based in Raleigh, NC. State Employees' Credit Union New Auto Loan are available in 5 states.
State Employees' Credit Union New Auto Loan FAQ
What APR does State Employees' Credit Union New Auto Loan offer on its car loans?
State Employees' Credit Union New Auto Loan offers a fixed apr car loan product that ranges from 5.50% APR up to 10.75% 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 State Employees' Credit Union New Auto Loan?
State Employees' Credit Union New Auto Loan has car loans with a maximum term of 96 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 State Employees' Credit Union New Auto Loan charge an origination fee?
Yes, State Employees' Credit Union New Auto Loan may charge a loan origination fee .
Does State Employees' Credit Union New Auto Loan charge a late fee?
Yes, State Employees' Credit Union New Auto Loan charges borrowers with a late payment penatly fee
Does State Employees' Credit Union New Auto Loan charge prepayment fees?
Yes, State Employees' Credit Union New Auto Loan 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 State Employees' Credit Union New Auto Loan loan?
Yes, you can. However, State Employees' Credit Union New Auto Loan 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 State Employees' Credit Union New Auto Loan?
State Employees' Credit Union New Auto Loan 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. State Employees' Credit Union New Auto Loan 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 State Employees' Credit Union New Auto Loan.
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
- Proof of citizenship or residence permit
Does State Employees' Credit Union New Auto Loan report your account activity to credit bureaus?
Yes, State Employees' Credit Union New Auto Loan 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 State Employees Credit Union perform a hard credit pull?
Yes, State Employees' Credit Union New Auto Loan 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 State Employees Credit Union a legit company?
State Employees 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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Hours of Operation
Sunday
Closed
Monday
8:30AM - 5:30PM
Tuesday
8:30AM - 5:30PM
Wednesday
8:30AM - 5:30PM
Thursday
8:30AM - 5:30PM
Friday
8:30AM - 5:30PM
Saturday
Closed