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Associated Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 12 September 2023
Fact checked

A quick review of Associated Credit Union auto loans

Associated Credit Union logo

Associated Credit Union offers a range of car loans from new and used vehicles to recreational vehicles. You can get competitive rates starting from 5% and flexible loan terms of up to 84 months. If you make timely payments, you may qualify for up to a 3% rate reduction. ACU provides a range of vehicle protection and car-buying services, like dealerships and in-house auto sales, too.

Want to see what an Associated CU auto loan will cost? Try the ACU 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 Associated Credit Union auto loan features

  • Minimum loan amount: $5,000. But for terms of 72 to 83 months, you must finance $15,000 or more. Then, terms of 84 months or longer should finance $25,000 or more.
  • Maximum loan amount: Undisclosed.
  • Interest rates: Start from 5% to 17.25% APR.
  • Loan terms: Up to 84 months. For certain recreation vehicles, you can have up to 180 months to repay your loan.
  • Loan fees: No application fee.
  • Discounts: Auto insurance discounts, reduced rates for members, and specialty loans for first-time buyers.

ACU auto loan options

New and used vehicles

Interest rates start as low as 5% for new and used 2022-2024 model cars with terms of up to 60 months. Also, they offer no loan payments for 90 days to members with credit scores of at least 670 and a minimum loan of $10,000.

Auto loan refinance

Associated CU provides low rates starting from 5% APR and long terms of up to 84 months. You don’t have to pay for application fees and prepayment penalties, too.

Recreational vehicles

ACU also has loans for new and used boats, RVs and motorhomes, motorcycles, campers, jet skis, and ATVs. Rates range from 7% to 10.50% APR depending on the loan term and vehicle type.

Specialty loans

For credit scores of 669 or lower, you may qualify for reduced rates of up to 3% if you make on-time payments. First-time buyers can also borrow up to $22,000 while recent college graduates can waive the down payment.

Other loan types

  • Lease buyout
  • Title loans
  • Dealer direct
  • In-house auto sales

ACU 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
Associated Credit Union

Associated Credit Union auto loan

Associated Credit Union 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 Associated Credit Union auto loan
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 Associated Credit Union auto loan

Eligibility criteria

  • Must be an ACU member
  • Must be 18 years old
  • A U.S. citizen
  • A steady source of income

Before applying for a vehicle loan, check your credit score and credit history. A good credit score and positive payment history can boost your chances of qualifying for lower interest rates.

How to join Associated CU

To check if you’re eligible to join ACU, you should be:

  • At least 18 years old
  • A resident of Georgia or works in Georgia
  • An employee of any ACU member companies
  • A family member of ACU employees or members
  • A member of the Armed Forces whether on active duty, inactive reserve status, or retired
  • An employee of the Federal Government

What you’ll need to have ready:

When you apply for auto financing with Associated Credit Union, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

You may need to provide Associated CU with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

If you want to refinance your car loan or buy through a dealership, you may need to provide additional details about the vehicle. These include the vehicle make, model, year, mileage, and vehicle identification number (VIN). Preparing this information ahead of time will help Associated Credit Union process your application faster. Moreover, you can get pre-qualified for a car loan to know your potential rates and terms.

Ways to apply for an ACU auto loan:

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 770-448-8200

Additional ACU auto loan details

  • Automatic payment: Available.
  • Rate discounts: Reduced rates for members who make timely payments.
  • Repayment frequency: Weekly, bi-weekly, semi-monthly, and monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: $0.
  • Co-borrowers allowed: Undisclosed.
  • Co-signers: Undisclosed.
  • Ways to repay: Online banking, online payment, mailed-in check, phone, and in-person.
  • Hardship program: Available.

Vehicle restrictions and limitations

  • Maximum vehicle age: Undisclosed.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Commercial vehicle loans are unavailable.

Pros and cons

Pros

  • Interest rates as low as 5% APR.
  • Flexible loan terms of up to 84 months or more depending on vehicle type.
  • Fast approval time. In some cases, you can get instantly approved for an auto loan.
  • No application fees.
  • No prepayment penalties.
  • Different loan options – lease buyouts, refinance, and title loans.
  • Car buying services, like in-house auto sales, private, and dealership.
  • No auto loan payments for 90 days for applicants with credit scores of 670 or higher.
  • Reduced rates for up to 3% for qualified applicants.
  • Various vehicle types, such as new and used cars, boats, RVs and motorhomes, motorcycles, campers, jet skis, and ATVs.
  • Discounts on insurance.

Cons

  • Limited to members of ACU.
  • Geographical limitations (Georgia).
  • Undisclosed vehicle requirements.
  • Low credit scores may lead to higher interest rates.

Frequently asked questions

What information do I need to provide when applying for an ACU car loan?

You must provide your personal and contact details and employment and income information. Plus, you may need to give details about the car, like its make, year, model, and purchase price.

How long does Associated CU take to approve vehicle finance?

ACU provides same-day approval in some cases, though it depends on your circumstance.

What is the maximum length of an Associated Credit Union car loan?

The maximum loan term for new and used cars is 84 months. But you can finance recreational vehicles for up to 180 months.

Where can I apply for ACU vehicle finance?

You can apply for an auto loan online or over the phone.

Are there discounts available on Associated CU car loans?

Yes. Members can qualify for decreased rates of up to 3% when making timely payments and auto insurance discounts.

Video: ACU auto loan + peach pass

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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