Is Alcose Credit Union Auto Loans the right fit for you?
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
Starting at 5.50%(Verified 07/16/2024)
Amount Range
N/A
Loan Term (Months)
Up to 84
Alcose Credit Union Auto Loans Review
Alcose Credit Union Auto Loans is offered by Alcose Credit Union, a credit union founded in 1950 and based in White Oak, PA. Alcose Credit Union Auto Loans are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- APRs starting at 5.50%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Alcose Credit Union Auto Loans are on the lower end of the spectrum.
- Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for Alcose Credit Union Auto Loans.
- Super long loan terms. Alcose Credit Union Auto Loans offers loan terms of up to 84 months. Most personal loans have a maximum term of 60 months.
Alcose Credit Union Auto Loans Pros & Cons
| Pros | Cons |
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Alcose Credit Union Auto Loans FAQ
What interest rates and personal loan terms does Alcose Credit Union Auto Loans offer?
Alcose Credit Union Auto Loans has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Alcose Credit Union Auto Loans offer?
Alcose Credit Union Auto Loans offers a fixed APR personal loan product that starts at 5.50% APR.
What is the maximum loan term you can get with Alcose Credit Union Auto Loans?
Alcose Credit Union Auto Loans offers loans with terms of up to 84 months.
| Personal Loan Amount | N/A |
| Loan Term | up to 84 months |
| APR | Starting at 5.50% |
What fees does Alcose Credit Union Auto Loans charge?
Does Alcose Credit Union Auto Loans charge an origination fee?
Alcose Credit Union Auto Loans may charge a personal loan origination fee .
Does Alcose Credit Union Auto Loans charge a late fee?
Yes, Alcose Credit Union Auto Loans may charge a late payment fee if you miss one of the regularly scheduled payments of up to $20.00.
Does Alcose Credit Union Auto Loans charge prepayment fees?
No, Alcose Credit Union Auto Loans does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.
| Origination Fee | No |
| Prepayment Fee | N/A |
| Late Payment Fee | $20.00 |
What do you need to qualify for Alcose Credit Union Auto Loans?
Alcose Credit Union 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. Alcose Credit Union Auto Loans does not have or does not disclose a minimum annual income eligibility requirement. Note that borrowers can add a cosigner or a co-borrower 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 Alcose Credit Union Auto Loans.
To qualify, applicants may need to provide the following documentation:
- Recent pay stubs
- Driver's license or other government photo ID
- Government issued photo ID
- Proof of identity
| Minimum Age | 18 |
| Bank Account Required? | No |
| Application Types Accepted |
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| Credit Score | N/A |
Does Alcose Credit Union Auto Loans report your account activity to credit bureaus?
Yes, Alcose Credit Union Auto Loans 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 Alcose Credit Union perform a hard credit pull?
Yes, Alcose Credit Union 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.
Are Alcose Credit Union Auto Loans legit?
Alcose 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.
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.
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Hours of Operation
SundayClosedMonday8:30AM - 4:00PMTuesday8:30AM - 4:00PMWednesday8:30AM - 4:00PMThursday4:00PM - 5:00PMFriday8:30AM - 4:00PMSaturdayClosed
Other Services by Alcose Credit Union
Other Personal Loans from Alcose Credit Union
Rating not yet determined
APR
15.99% - 17.99%
Disclaimer popup with additional information
Amount Range
$500 - $700
Loan Term (Months)
6
Rating not yet determined
APR
Starting at 3.00%
Disclaimer popup with additional information
Amount Range
N/A
Loan Term (Months)
Up to 60
Rating not yet determined
APR
Starting at 9.25%
Disclaimer popup with additional information
Amount Range
N/A
Loan Term (Months)
Up to 60
Rating not yet determined
APR
6.99% - 7.25%
Disclaimer popup with additional information
Amount Range
$500 - $5,000
Loan Term (Months)
N/A
SuperMoney Net Recommendation Score
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