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Cascade Community Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 25 September 2023
Fact checked

A quick review of Cascade Community Credit Union auto loans

Cascade Community Credit Union logo

Whether you’re buying or refinancing an existing vehicle, Cascade Community Credit Union (CCCU) provides low-cost auto loans with terms of up to 84 months. Cascade offers a range of auto loans for personal, business, and recreational uses.

For as low as 5.99% APR, you can lock in a pre-owned or new vehicle for 36 months. Additionally, you can get a 0.50% rate discount when you set up autopay.

Want to see what a Cascade CU auto loan will cost? Try the Cascade Community 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 Cascade Community Credit Union auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Undisclosed.
  • Interest rates: New and used auto loan rates as low as 5.99% APR for a 36-month term.
  • Loan terms: 36 up to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: 0.50% rate discount with autopay.

Cascade Community Credit Union loan options

New and used vehicle financing

CCCU offers affordable financing and refinancing options for new and used auto loans with flexible terms of up to 84 months. For a 36-month term, members can lock in rates as low as 5.99% APR. Meanwhile, rates for 72 and 84 months can start at 6.74% and 6.99% respectively.

Recreational vehicle loans

Members also have options with leisure vehicles ranging from RVs and travel trailers to boats and motorcycles. New and used recreational vehicles have terms extending from 48 to 180 months. For a 48-month period, you can secure rates as low as 6.74% APR. Then, rates may start at 8.24% APR for a 180-month loan.

Business auto loans

Cascade CU also has auto loans specifically for business purposes. To get a quote of your possible rate and terms, you can call Cascade at 541-464-6892.

Cascade Community Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
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Loan Amount

$25,000

Term

60 months

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Cascade Community Federal Credit Union

Cascade Community Federal Credit Union auto loan

Cascade Community 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 Cascade Community 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.

Additional Cascade CU auto loan details

  • Automatic payment: Available.
  • Loan approval times: Same-day approval.
  • Rate discounts: 0.50% discounts on automatic payments.
  • Repayment frequency: Monthly.
  • Late payment fees: Minimum of $25, and maximum of $75. 
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Ways to repay: Online banking, automatic transfers, and in-person.
  • Hardship program: Skip-a-payment program available. (Download form)

Vehicle restrictions and limitations

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

Pros and cons

Pros

  • Flexible loan terms extending up to 84 months. 
  • Competitive interest rates for members. 
  • 0.50% off on rates with autopay. 
  • Fast loan approval. 
  • Pre-approval available online.
  • Multiple types of vehicles available – new and used cars, RVs, travel trailers, ATVs, boats, campers, and motorcycles. 
  • Optional guaranteed asset protection insurance, mechanical repair coverage, extended warranty, and debt protection from third-party companies. 
  • Co-applicants allowed. 
  • Local dealership partners. 
  • Convenient automatic payment transfers.

Cons

  • Limited to CCCU members. 
  • Unspecified vehicle requirements. 
  • Only 3 branches in Roseburg and Sutherlin.
  • Undisclosed minimum and maximum loan amounts. 
  • Rates depend on credit, so low credit scores may lead to high interest.

Frequently asked questions

Are there discounts available on Cascade Community Credit Union car loans?

Yes. You can have a 0.50% rate discount when you set up autopay.

Can I apply for Cascade CU vehicle finance online?

Yes. You can apply online through Cascade’s website. In addition, you can get pre-approved online.

How much interest does Cascade Community Credit Union charge on car loans?

New and used auto loan rates can depend on your approved collateral and term. However, note that rates are still subject to credit agreement.

  • 36 months: As low as 5.99% APR
  • 48 months: As low as 6.24% APR
  • 60 months: As low as 6.49% APR
  • 72 months: As low as 6.74% APR
  • 84 months: As low as 6.99% APR

How long does a Cascade auto loan take to be approved?

Depending on your circumstance, CCCU can make loan decisions on the same day of your application.

What is the maximum length of a Cascade Community Credit Union car loan?

You can finance your new or used vehicle for up to 84 months. For recreational vehicles, loan terms can stretch up to 180 months.

Will applying for vehicle finance with Cascade Community Credit Union affect my credit score?

Yes. Submitting a loan application requires Cascade to make a hard credit check. In turn, this temporarily affects your credit score.

Video: CCCU | Dr. Peterson

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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