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Achieva Credit Union Auto Loan Calculator, Interest Rates, & Overview

Carla Soto
Carla Soto
Updated 08 September 2023
Fact checked

Achieva Credit Union auto loans overview

Achieva Credit Union logo

Achieva Credit Union offers a wide range of new and used auto loans including financing and refinancing options for boats, motorcycles, recreational vehicles (RVs), and jet skis. With competitive rates and flexible terms, borrowers have up to 7 years to repay a new car loan and up to 6 years and 3 months to repay a used car loan. There are also loan services for car trailers, horse trailers, and other types of vehicles that do not fall into the common categories.

Achieva often grants same-day approvals to qualified applicants and does not charge pre-payment penalties. Borrowers can also add insurance solutions such as guaranteed asset protection (GAP) and mechanical breakdown protection (MBP).

Want to see what an Achieva CU auto loan will cost? Try the Achieva Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key Achieva Credit Union auto loans feature

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Undisclosed.
  • Interest rates: Interest rates are based on the borrower’s creditworthiness, collateral qualifications, and loan term. New and used car loans start from 5.50% APR (annual percentage rate) over 36 months. See the product table below for more details.
  • Loan terms: From 12 to 84 months for new cars; from 12 to 75 months for used cars; up to 60 months for new and used motorcycles, jet skis, ATVs, golf carts, and low-speed vehicles; up to 72 months for premium motorcycles; up to 180 months for new and used boats and RVs.
  • Loan fees: No application or origination fees.
  • Discounts: Save up to 0.50 bp (basic points) for auto loan refinances.

Achieva auto loan options

New and used auto loans

  • Interest rates for new and used car loans start from 5.50% APR for a 36-month term, 6.25% APR for a 63-month term, and 6.50% APR for a 75-month term.
  • Only new car loans are available for an 84-month term starting from 7.25% APR.
  • Internal refinances may be subject to a $200 refinance fee.
  • Auto loans for commercial use are not available.
  • Loan rates are subject to change without prior notice.

Other loan types

Achieva also provides a variety of financing and refinancing options for other types of vehicles. Take a look at the following loan types:

  • Loans for new and used boats and RVs start from 6.50% APR for a 60-month term, 7.20% APR for an 84-month term, 7.50% for a 120-month term, and 7.24% for a 180-month term.
  • Up to 90% financing is available for new and used boats and RVs with a minimum payment of $100.
  • Loans for new and used motorcycles start from 6.50% APR for a 48-month term and 7.50% APR for a 60-month term.
  • Financing and refinancing for premium motorcycles (BMW, Goldwing, Harley, Honda, Indian, and Triumph are available for rates starting from 6.00% APR for a 72-month term.
  • Recreational vehicle loans (ATVs, golf carts, jets skis, and low-speed vehicles) start from 7.00% APR for a 36-month term and 7.49% APR for a 60-month term.
  • Title loans for car trailers, horse trailers, and similar vehicles are available under the Other Secure Loan product.

Achieva Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

Change
Achieva Credit Union

Achieva - New Auto Loan

Achieva - New Auto Loan
Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Achieva Credit Union

Achieva - Used Auto Loan

Achieva - Used Auto Loan
Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Achieva Credit Union

Achieva - Premium Motorcycle Loans

Achieva - Premium Motorcycle Loans
Estimated Month Repayments
$446 Inclusive of fees
Interest Rate
2.75%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Achieva Credit Union

Achieva - Motorcycle Loans

Achieva - Motorcycle Loans
Estimated Month Repayments
$463 Inclusive of fees
Interest Rate
4.25%
APR
Repayment Period
12 months
to 60 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Achieva Credit Union

Achieva - Boats & RVs - New & Used

Achieva - Boats & RVs - New & Used
Estimated Month Repayments
$469 Inclusive of fees
Interest Rate
4.75%
APR
Repayment Period
12 months
to 180 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Achieva Credit Union

Achieva - Recreation Vehicle Loans (Jet Skis, ATVs)

Achieva - Recreation Vehicle Loans (Jet Skis, ATVs)
Estimated Month Repayments
$478 Inclusive of fees
Interest Rate
5.50%
APR
Repayment Period
12 months
to 60 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for an Achieva CU auto loan

Eligibility criteria

  • You must be a member of Achieva Credit Union.
  • You must be at least 18 years old or have the legal capacity to contract for car financing in your state of residence.
  • You must be either a U.S. citizen or a resident alien (permanent or non-permanent).

How to join Achieva Credit Union

Check to see if you’re eligible to join Achieva Credit Union. Requirements to join include the following:

  • You are related to a current Achieva CU member: spouse, children, parents, or relatives by marriage, blood, or adoption.
  • You live or work in these Florida counties: Charlotte, Collier, DeSoto, Glades, Hardee, Hendry, Hernando, Highlands, Hillsborough, Lee, Manatee, Monroe, Pasco, Pinellas, and Sarasota.
  • You belong to an association, organization, trust, or legal entity operating in the abovementioned locations.
  • You have made a minimum donation to the Achieva Foundation.
  • View the full criteria eligibility at the Achieva CU website.

To join the credit union

  1. Fill out a membership application on the online banking page at the Achieva website.
  2. Provide a copy of any valid unexpired government-issued photo ID (driver’s license, passport, state ID) with your current residential address, your social security number, and your bank account information.
  3. Open a savings account or checking account through any of Achieva’s online, mobile, branch, and co-op banking options. A one-time $15 Achieva lifetime membership fee will be deducted from your initial deposit.

What you’ll need to have ready

Look at the personal information below. The lender might ask you about these when you apply for auto financing with Achieva CU.

Personal details

  • Your full name
  • Your current and/or permanent place of residence
  • Your U.S. citizenship status
  • An active email address
  • Your Social Security number
  • Your employment or business information
  • Details on your sources of income and/or earnings

Documents

You may also need to provide Achieva CU with additional documents to complete your loan request:

  • Federal tax returns and W-2s
  • Bank deposits and other financial statements
  • Proof of good credit standing
  • Car registration and title
  • Purchase agreement or bill of sale

Vehicle details

If you’re buying a used car, applying for a refinance loan, or purchasing other types of vehicles, you’ll need to provide additional information to the lender such as:

  • Year, make, and model of the vehicle
  • Vehicle identification number (VIN)
  • Car mileage
  • Purchase price
  • Original title
  • Disclosure of lien details of the vehicle

Ways to apply for an Achieva CU auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 727-431-7690

Additional Achieva Credit Union auto loan details

  • Automatic payment: Available.
  • Loan approval times: Usually same-day approvals.
  • Rate discounts: Up to 0.50 bp (basic points) for auto loan refinances.
  • Repayment frequency: Monthly, bi-monthly, semi-monthly, end of the month, weekly, bi-weekly, quarterly, every 6 months, or yearly
  • Late payment fees: $35
  • Prepayment penalty: $0
  • Co-borrowers allowed: Yes
  • Co-signers: Yes
  • Hardship program: Available.
  • Ways to repay: Online banking, QuickPay, mobile banking app, ACH transfer, mailed-in check, by phone, and in-person.

Vehicle restrictions and limitations

  • Maximum vehicle age: Up to 8 years or older. For other types of vehicles, the maximum vehicle age is undisclosed.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Vehicles for commercial use are not eligible. Achieva offers up to 90% financing for new and used boats and RVs. For more information and other restrictions on loan products, you can contact the credit union.

Pros and cons

Pros

  • Offers a wide range of financing and refinancing options for new and used cars.
  • Provides loan services for other types of vehicles such as boats, RVs, motorcycles, premium motorcycles, ATVs, golf carts, jets skis, and low-speed vehicles
  • Title loans are available for car trailers, horse trailers, and similar items.
  • Flexible repayment terms of up to 7 years for auto loans and up to 15 years for financing and refinancing other vehicles.
  • Allows co-signers and/or co-borrowers.
  • Easy and convenient ways to apply: online, by phone, or in person.
  • Same-day approvals for qualified applicants.
  • Deferred payment (Skip-A-Pay) is allowed.
  • No origination fees and prepayment penalties.
  • Offers loan protection options such as Guaranteed Asset Protection (GAP) and Mechanical Breakdown Protection (MBP).

Cons

  • Membership is required.
  • Non-US citizens cannot apply.
  • Loan amount is unclear.
  • $35 late payment penalty.
  • $200 internal refinance fee.
  • Rate discounts for vehicle refinancing only.
  • Commercial-use vehicles are not eligible.

Frequently asked questions

Are the Achieva auto loans available in all 50 states?

Yes. As long as you are an Achieva member, you are eligible to apply for an auto loan or vehicle financing. You can fill out the online application form at the Achieva website. You can also visit any of the Achieva branches and apply in person. You can also talk to a representative via email and phone so they can assist you with your loan inquiries.

Are Achieva auto loan interest rates fixed or variable?

Auto loans have variable interest rates. Achieva evaluates the applicant’s creditworthiness, collateral requirements, and repayment terms to determine the final rate. The credit union also stated that rates are subject to change without prior notice.

Are there discounts available on Achieva car loans?

Yes. There is a 0.50 bp (basic points) rate reduction for auto loan refinances only. The credit union did not disclose if there are discounts available for other auto loans or vehicle financing options.

What is the maximum term of Achieva vehicle financing?

Different loans have different term lengths. New car loans can be repaid in up to 84 months while used car loans can be repaid in up to 75 months. The maximum loan term for other vehicle types is as follows: up to 180 months for boat loans and RV loans; up to 72 months for premium motorcycle loans; up to 60 months for motorcycle loans; up to 60 months for financing or refinancing golf carts, jets skis, and low-speed vehicles.

Does Achieva refinance auto loans?

Yes. Achieva offers refinancing programs with affordable monthly payments for new and used cars. Refinancing options with competitive rates and flexible terms are also available for other types of vehicles. The final loan amount and interest rate are subject to approval.

Can I purchase a commercial vehicle with an Achieva auto loan?

No. Achieva does not offer auto loans for commercial or business purposes. Financing and refinancing services are only available for private-use cars and other vehicle types. The credit union, however, offers shared secured loans and CD-secured loans which can be used to buy a commercial vehicle or for other worthwhile purposes.

How do I pay my Achieva auto loan?

There are several ways to pay your Achieva auto loan. Choose the most convenient option for you:

  • Make payments by logging into Achieva’s online banking page or mobile banking app.
  • Set up a recurring payment via QuickPay or Online Bill Pay.
  • Use funds from your checking account or savings account from other financial institutions to transfer to your Achieva auto loan account.
  • Contact a member service advisor to assist you with auto loan payments via phone.
  • Mail your payment to this address: Achieva Credit Union, P.O. Box 1500, Dunedin, FL 34697.
  • Locate the nearest branch to make a personal deposit to your loan account.

Video: Refi & Ride from Achieva Credit Union

 

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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