Last Updated: 04/18/2025
Y-12 Federal Credit Union First-Time Auto Buyer Loan
Unaffiliated
in Auto Loans from Y-12 Federal Credit Union
Last Updated: 04/18/2025
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Highlights
Amount Range
Up to $20,000
APR (Fixed APR)
Starting at 7.74%(Verified 06/21/2024)
Credit Score Range
N/A
Loan Term (Months)
Up to 60
Y-12 Federal Credit Union First-Time Auto Buyer Loan Review
Y-12 Federal Credit Union First-Time Auto Buyer Loan is offered by Y-12 Federal Credit Union, a credit union founded in 1950 and based in Oak Ridge, TN. Y-12 Federal Credit Union First-Time Auto Buyer Loan are available in 50 states and Washington, DC.
Y-12 Federal Credit Union First-Time Auto Buyer Loan FAQ
What APR does Y-12 Federal Credit Union First-Time Auto Buyer Loan offer on its car loans?
Y-12 Federal Credit Union First-Time Auto Buyer Loan offers a fixed apr car loan product that ranges from 7.74% 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 Y-12 Federal Credit Union First-Time Auto Buyer Loan?
Y-12 Federal Credit Union First-Time Auto Buyer Loan has car loans with a maximum term of 60 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 Y-12 Federal Credit Union First-Time Auto Buyer Loan charge an origination fee?
Yes, Y-12 Federal Credit Union First-Time Auto Buyer Loan may charge a loan origination fee .
Does Y-12 Federal Credit Union First-Time Auto Buyer Loan charge a late fee?
Yes, Y-12 Federal Credit Union First-Time Auto Buyer Loan charges borrowers with a late payment penatly fee
Does Y-12 Federal Credit Union First-Time Auto Buyer Loan charge prepayment fees?
Yes, Y-12 Federal Credit Union First-Time Auto Buyer 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 Y-12 Federal Credit Union First-Time Auto Buyer Loan loan?
Yes, you can. However, Y-12 Federal Credit Union First-Time Auto Buyer 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 Y-12 Federal Credit Union First-Time Auto Buyer Loan?
Y-12 Federal Credit Union First-Time Auto Buyer 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. Y-12 Federal Credit Union First-Time Auto Buyer 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 Y-12 Federal Credit Union First-Time Auto Buyer 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 Y-12 Federal Credit Union perform a hard credit pull?
Yes, Y-12 Federal Credit Union First-Time Auto Buyer 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 Y-12 Federal Credit Union a legit company?
Y-12 Federal Credit Union was founded in 1950, it is a well-established company that has been in business for 76 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
9:00AM - 5:30PM
Tuesday
9:00AM - 5:30PM
Wednesday
9:00AM - 5:30PM
Thursday
9:00AM - 5:30PM
Friday
9:00AM - 5:30PM
Saturday
9:00AM - 12:00PM