Ventura County Auto Loans

Ventura County Auto Loans Review

Ventura County Auto Loans is offered by Ventura County Credit Union, a credit union founded in 1950 and based in Ventura, CA. Ventura County Auto Loans are available in 50 states (and Washington, DC).

Ventura County Auto Loans FAQ

What APR does Ventura County Auto Loans offer on its car loans?

Ventura County Auto Loans offers a variable APR car loan product that ranges from 5.74% APR up to 9.74% 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 Ventura County Auto Loans?

Ventura County Auto Loans has car loans with terms ranging from 36 to 60 months. Having the option of longer terms -- terms can range up to 144 months -- allows borrowers to take on larger auto loan amounts while keeping monthly payments more affordable. However, the longer the term of your auto loan, the more interest you will pay.

Does Ventura County Auto Loans charge an origination fee?

Yes, Ventura County Auto Loans may charge a loan origination fee.

Does Ventura County Auto Loans charge a late fee?

Yes, Ventura County Auto Loans charges borrowers with a late payment penatly fee

Does Ventura County Auto Loans charge prepayment fees?

Yes, Ventura County 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 Ventura County Auto Loans loan?

Yes, you can. However, Ventura County 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 Ventura County Auto Loans?

Ventura County 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.

Ventura County Auto Loans does not have or does not disclose a minimum annual income eligibility requirement. Ventura County Auto Loans only considers borrowers who are employed.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Ventura County Auto Loans. Their rates fall within the limits of The Military Lending Act.

U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Ventura County Auto Loans.

To qualify, applicants may need to provide the following documentation:

• Proof of income
• Driver's license
• Proof of identity
• Proof of citizenship or residence permit

Does Ventura County Auto Loans report your account activity to credit bureaus?

Yes, Ventura County Auto Loans reports your account activity to the following credit reporting agencies:

• 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 improve your credit.

Is Ventura County Credit Union a legit company?

Ventura County Credit Union was founded in 1950, it is a well-established company that has been in business for 73 years.

Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.