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Buckeye Sate CU Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 16 September 2023
Fact checked

A quick review of Buckeye State Credit Union auto loans

Buckeye State Credit Union logo

Buckeye State Credit Union (BSCU) auto loans go with competitive interest rates. Members can finance new and used vehicles with affordable monthly payments and flexible options. Buckeye offers loan solutions online and in its 6 branches across Ohio – Alliance, Akron, Cleveland, Canton, Mansfield, and Shaker Heights.

Want to see what a Buckeye auto loan will cost? Try the Buckeye State 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 Buckeye State Credit Union auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Undisclosed.
  • Interest rates: New auto loans start at 4.25% APR. Meanwhile, APR can be as low as 4.75% for used auto loans.
  • Loan terms: Undisclosed.
  • Loan fees: Undisclosed.
  • Discounts: Potential lower interest rates for members with high credit scores.

Buckeye State Credit Union auto loan options

New and used auto loans

Buckeye provides competitive auto loans for new and used vehicles with low monthly payments and flexible options. For new car loans, rates start as low as 4.25% APR while used car loans start at 4.75% APR. If you have poor credit, Buckeye State Credit Union also offers bad credit loans to meet your needs.

Buckeye 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
Buckeye State Credit Union

Buckeye State Credit Union auto loan

Buckeye State 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 Buckeye State 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 a Buckeye State Credit Union auto loan

Eligibility criteria

Though Buckeye CU doesn’t indicate the specific requirement for vehicle financing, you typically need to:

  • Be a member of Buckeye
  • Be at least 18 years old or legal to contract auto financing
  • Have U.S. citizenship or permanent residency
  • Have a steady source of income

BSCU offers auto loans to members with bad credit. However, it’s beneficial to build your credit score first before applying for car financing. This can help you unlock more favorable interest rates, lower monthly payments, and ideal loan terms.

How to join Buckeye Credit Union

To join Buckeye, you should meet one of the following criteria:

  • Be a relative of a current member of Buckeye State Credit Union
  • Live, work, worship, or study in Cuyahoga County, Lake County, Summit County, Stark County, Wayne County, Ashland County, Medina County, and Richland County Ohio
  • An employee of one of Buckeye’s employer groups

What you’ll need to have ready:

When you apply for auto financing with Buckeye State 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 Buckeye 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.

When you apply for auto financing, Buckeye needs information on the vehicle, too. So, you need to prepare the vehicle’s make, model, and year. Ensure you have these details on hand to make your loan application process easier and faster.

Ways to apply for a Buckeye State Credit Union auto loan:

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call (330) 253-9197

Additional Buckeye State Credit Union auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed. But credit unions may take 1 business day to a few weeks depending on your application.
  • Rate discounts: Lower rates and fees for members.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Undisclosed.
  • Co-signers: Undisclosed.
  • Ways to repay: Online banking, mobile app, and in person.
  • Hardship program: Members experiencing financial hardship can reach out to BSCU’s Collections/Member Solutions department.

Vehicle restrictions and limitations

  • Maximum vehicle age: Undisclosed.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Undisclosed.

Pros and cons

Pros

  • Competitive interest rates for members.
  • Affordable monthly payments.
  • Additional auto loan services, like warranty package, GAP protection, payment protection, and debt protection.
  • Bad credit loans available to Ohio residents.
  • Option to get pre-approved first.

Cons

  • Restricted to members.
  • Geographical limitations (Ohio).
  • Undisclosed loan fees.
  • Unspecified minimum and maximum loan amounts.

Frequently asked questions

How to apply for vehicle finance with Buckeye?

You can finance a vehicle online, over the phone, or in person. Alternatively, you can submit a form through their website. A Buckeye representative will then get in touch with you.

How much interest does Buckeye CU charge on auto loans?

Buckeye has attractive rate offers to its members. APRs can be as low as 4.25% APR for new car loans and 4.75% APR for used car loans.

What information do I need to provide when applying for a Buckeye Credit Union car loan?

You need to give your personal details and contact information to finance a vehicle. Buckeye will ask for your vehicle information, monthly expenses, employment details, and income, too.

How long does Buckeye take to approve vehicle finance?

While Buckeye doesn’t indicate their approval time, credit unions can typically take minutes to a few weeks to process loans. Your application can take a shorter or longer time depending on your situation. So, it’s best to come prepared with the required documents to fast-track your application.

Are the auto loans available in all 50 states?

Unfortunately, Buckeye only offers services in Ohio. You can visit one of their branches – Alliance, Akron, Cleveland, Canton, Mansfield, and Shaker Heights.

How do I pay my BSCU auto loan?

You can make auto loan payments through Buckeye’s mobile app, online banking, or in one of its branches.

What is the maximum length of a Buckeye car loan?

BSCU doesn’t specify the maximum loan term for auto financing. But usually, it can be up to 72 or 84 months.

Video: How to improve your chances of getting a loan

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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