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Last Updated: 04/18/2025

Verve Auto Loans

in Auto Loans from Verve, A Credit Union

Last Updated: 04/18/2025

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Amount Range

N/A

APR (Variable APR)

7.16% - 9.32%(Verified 06/21/2024)

Credit Score Range

N/A

Loan Term (Months)

Up to 84
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Verve Auto Loans Review

Verve Auto Loans is offered by Verve, A Credit Union, a credit union founded in 1937 and based in Oshkosh, WI. Verve Auto Loans are available in 50 states and Washington, DC.

Verve Auto Loans FAQ

What APR does Verve Auto Loans offer on its car loans?

Verve Auto Loans offers a variable APR car loan product that ranges from 7.16% APR up to 9.32% 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 Verve Auto Loans?

Verve 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 Verve Auto Loans charge an origination fee?

No, Verve Auto Loans does not charge a loan origination fee.
An auto loan origination fee is what some lenders charge for processing an auto loan application and funding an auto loan. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees.

Does Verve Auto Loans charge a late fee?

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

Does Verve Auto Loans charge prepayment fees?

Yes, Verve 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 Verve Auto Loans loan?

Yes, you can. However, Verve 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 Verve Auto Loans?

Verve 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.
Verve 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 Verve 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 Verve, A Credit Union perform a hard credit pull?

Yes, Verve 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 verve credit union a legit company?

verve 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

2900 Universal St
Oshkosh, WI 54904
(800) 448-9228
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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 - 6:00PM
Saturday
Closed

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