Is Consumers CU Auto Refinance the right fit for you?
Last Updated: 11/24/2025
Consumers CU Auto Refinance
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Last Updated: 11/24/2025
SuperMoney User Recommendation Score +80
Strongly recommended5 total votes
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Highlights
Community Rating
Strongly recommended
Amount Range
$5,000 - $150,000
APR (Fixed APR)
Starting at 5.49%(Verified 11/24/2025)
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Credit Score Range
640 - 840
Loan Term (Months)
6 - 84
Number of Reviews
Consumers CU Auto Refinance Review
Consumers Credit Union auto refinance is an auto loan refinance offering by Consumers Credit Union, based in Lake Forest, IL. Founded in 1930, Consumers Credit Union offers auto refinance loans in 50 states (and Washington, DC).
Key Takeaways
- Lease buyouts. Offers refinancing to buyout an expensive lease or purchase a company car.
- Fair credit accepted. The credit score needed for Consumers CU Auto Refinance is relatively low. Borrowers with a credit score as low as 640 may qualify for Consumers CU Auto Refinance.
- Refinancing for large loan amounts. You can refinance auto loans of up to $150,000 with Consumers CU Auto Refinance.
- Hard credit pull required. You can't check your rates or see if you prequalify for Consumers CU Auto Refinance without a hard pull on your credit report. Most lenders give you the option of a soft pull on you credit report.
- Charges a prepayment fee. This means you will be charged an additional fee if you repay the auto refinance loan early.
- Cosigner applications accepted. Applying for Consumers CU Auto Refinance with a cosigner can improve your chances of approval and help you qualify for lower interest rates.
- Short loan terms. Consumers CU Auto Refinance offers loan terms as short as 6 months. Most auto refinancing loans have a minimum term of 12 to 36 months.
- Long loan terms. Consumers CU Auto Refinance offers loan terms of up to 84 months. Most auto refinancing loans have a maximum term of 60 months.
Consumers Credit Union auto refinance Pros & Cons
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Consumers Credit Union auto refinance FAQ
How much can you borrow via Consumers Credit Union auto refinance?
Auto refinance loan amounts start at $5,000 and go up to $150,000.
What are the auto loan refinancing rates offered through Consumers Credit Union auto refinance?
Consumers Credit Union auto refinance offers a fixed APR car loan refinancing product that ranges from 5.49% APR. Rate is quoted with autopay discount*.
What is the maximum loan term you can get with Consumers Credit Union auto refinance?
Consumers Credit Union auto refinance offers auto refinancing with terms ranging from 6 to 84 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your auto refinancing loan, the more interest you will pay.
Does Consumers Credit Union auto refinance charge an origination fee on auto refinance loans?
Yes, Consumers Credit Union auto refinance charges a loan origination fee .
Does Consumers Credit Union auto refinance charge a late fee?
Yes, auto refinance loans via Consumers Credit Union auto refinance are subject to late payment penalty fees of up to $29 .
Does Consumers Credit Union auto refinance charge prepayment fees?
Yes, Consumers Credit Union auto refinance does charge borrowers a fee if they pay their loans early. Consider prepayment fees when you choose a lender because prepayment feees can reduce or even cancel the interest savings of repaying a loan early.
What do you need to qualify for Consumers CU Auto Refinance?
Applicants with a credit score of at least 640 and up to 840 may be eligible for Consumers CU Auto Refinance. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Consumers CU Auto Refinance does not have or does not disclose a minimum annual income eligibility requirement. Note that borrowers can add a cosigner to either meet eligibility requirements or qualify for lower interest rates.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Consumers CU Auto Refinance.
To qualify, applicants may need to provide the following documentation:
- Proof of income
- Proof of insurance
- Driver's license or other government photo ID
- Government issued photo ID
- Proof of identity
Does Consumers CU Auto Refinance report your account activity to credit bureaus?
Yes, Consumers CU Auto Refinance 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 Consumers Credit Union perform a hard credit pull?
Yes, Consumers Credit Union auto refinance 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 Consumers Credit Union a legit company?
Consumers Credit Union was founded in 1930, it is a well-established company that has been in business for 96 years. Based on their "strongly recommended" SuperMoney community rating, they appear to be a very reputable company.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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.
Message from Consumers Credit Union auto refinance
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
9:00AM - 1:00PM
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SuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +80, or 4.6 on a 5-point rating scale.
+80
-1000+100
No one recommends
Everyone recommends
Consumers CU Auto Refinance Community Reviews
Would you recommend Consumers CU Auto Refinance to your friends?
TO
Taiwo O.
Nov 14, 2022
May or may not recommend
I can't recommend Consumers CU Auto Refinance because I haven't used it before, but my friends have told me that their service was awesome.
Nabiullah Y.
Aug 30, 2022
May or may not recommend
Hi this email was just a little reminder email for
Huda A.
Jul 21, 2022
May or may not recommend
I recommend Consumers Credit Union Auto Refinance for various reasons. What stands out the most to me is that they accept low credit scores and you can also have lower interest rates. They also offer loan terms as short as 6 months and an income of as low as $6000 annually makes you qualified to apply!
AB
Akil B.
Feb 10, 2022
May or may not recommend
I recommend this because they have easy and clear steps to take vehicles on loans.
FJ
Felicial J.
May 13, 2021
May or may not recommend
Even though the requirements appears strict, Consumers Credit offer the best rates. The process is smooth and very professional.
Showing 5 of 5 reviews
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