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Call Federal Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 23 September 2023
Fact checked

A quick review of Call Federal Credit Union auto loans

Call Federal Credit Union logo

Call Federal Credit Union offers a range of auto loans available for used and new vehicles, motorcycles, boats, jet skis, RVs, and campers. You can buy or refinance with competitive rates as low as 4.49% APR and long loan terms extending up to 84 months. Moreover, Call Federal members may get up to 0.75% rate discounts through loyalty, education, and auto transfer programs.

Want to see what a Call FCU auto loan will cost? Try the Call Federal 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 Call Federal Credit Union auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Undisclosed.
  • Interest rates: New vehicle loans range from 4.49% to 16.24% APR. Meanwhile, used vehicle loans have APRs from 4.74% to 16.74%.
  • Loan terms: Up to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: 0.25% and 0.50% interest rate discounts for members.

Call Federal loan options

New and used vehicles

You can purchase or refinance used and new auto loans with competitive interest rates and loan terms stretching to 84 months. For new and used vehicles with models from 2019 or newer, rates start at 4.49% to 16.24% APR. Meanwhile, you can lock in used vehicles with models from 2014 to 2018 for 4.74% to 16.74% APR.

Leisure vehicles

Call Federal also offers a range of loans for leisure vehicles. For small recreational vehicles, such as motorcycles, boats, and jetskis, you can finance one for as low as 5.99% to 17.75% APR. With larger recreational vehicles, like RVs and campers, rates range from 7.50% to 9.75% APR, and terms extend up to 144 months.

Call Federal 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
Call Federal Credit Union

Call Federal Credit Union auto loan

Call Federal 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 Call Federal 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 Call Federal Credit Union auto loan

Eligibility criteria

While Call Federal doesn’t indicate the exact requirements to get a car loan, you typically need to:

  • Be a member of Call Federal CU
  • Be 18 years old or legal to contract for automotive financing
  • Be a U.S. citizen or permanent resident
  • Have a steady source of income

Since your rates, terms, and overall eligibility are based on your situation, it’s a good idea to check your credit score before applying. Note that borrowers with top-tier credit usually qualify for better loans. So, try to build your credit to get lower APRs, flexible terms, and rate discounts.

What you’ll need to have ready:
When you apply for auto financing with Call FCU, 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 Call Federal 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’re refinancing your existing auto loan, you need to provide the vehicle’s make, model, and year. In addition, you need to indicate the estimated value of your vehicle. Knowing these details beforehand can make your loan application quick and easy.

Ways to apply for a Call Federal auto loan:

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 804-274-1200

Additional Call FCU auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed. However, credit unions may take 1 business day to a few weeks depending on your application.
  • Rate discounts: Loyalty discount of 0.50% through Call Federal loan origination (last 7 years) or membership of 10 years or more. 0.50% discounts for completing at least one qualifying course in the Money & Beyond Portal. And, 0.25% off for members who set up auto payments from a Call Federal checking account.
  • 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 a branch.
  • Hardship program: Skip-a-payment program available. (Download form)

Vehicle restrictions and limitations

  • Maximum vehicle age: 2013 models.
  • Maximum vehicle mileage: Unspecified.
  • Other vehicle restrictions: Unspecified.

Pros and cons

Pros

  • Long loan terms of up to 84 months for new and used vehicles and up to 144 months for large recreational vehicles.
  • Flexible interest rates.
  • Rate discounts of up to 0.75%.
  • Various vehicle options available – new and used autos, motorcycles, boats, jet skis, RVs, and campers.
  • Auto discounts through TrueCar’s network of dealers.
  • Financing and refinancing options for new and used vehicles.
  • Optional coverages include GAP protection, auto insurance, debt protection, mechanical repair coverage (MRC), and accidental death.

Cons

  • Limited eligibility criteria.
  • Only available in the Greater Richmond (VA) area.
  • Undisclosed loan fees.
  • Unspecified mileage restrictions may apply.
  • Low credit scores may lead to higher interest rates.

Frequently asked questions

Can I buy a commercial vehicle with a Call Federal auto loan?

No. The credit union doesn’t offer commercial auto loans.

Does Call Federal refinance car loans?

Yes. Call Federal Credit Union offers vehicle refinancing. However, you can’t refinance existing Call Federal loans.

What is the maximum length of a Call Federal CU auto loan?

The maximum loan term for auto loans is 84 months. For larger leisure vehicles, terms can be up to 144 months.

Who can join Call Federal?

To become a member of Call Federal Credit Union, you should live, work, worship, or attend school in the Greater Richmond (VA) area.

Can I apply for Call Federal vehicle finance online?

Yes. Call FCU has online applications for auto loans. You can apply online through their website.

Does Call Federal Credit Union have car loan pre-approval?

Yes. You can get pre-approved for an auto loan with Call Federal.

Video: Call Federal makes car buying simple

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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