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

Carla Soto
Carla Soto
Updated 12 October 2023
Fact checked

A quick review of Christian Community Credit Union auto loans

Christian Community Credit Union logo

Christian Community Credit Union (CCCU) has a wide range of low-rate auto loans with long loan terms. Members can purchase, refinance, lease, or cash out new and used vehicles. Additionally, CCCU provides affordable car loans tailored to first-time buyers and students.

For as low as 5.49% APR, members can secure new or pre-owned vehicles with up to 135% financing. Plus, qualified new members or members that set up autopay get a 0.25% rate discount.

Want to see what an MYCCCU auto loan will cost? Try the Christian 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 Christian Community Credit Union auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Up to 135% of the vehicle’s value.
  • Interest rates: New and used car loans start at 5.49% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: 0.25% discounts for new members (within the last 6 months) or for using autopay from CCCU Checking Accounts.

Christian Community Credit Union loan options

New and used auto loans

MYCCCU offers competitive financing and refinancing options with low interest rates and long terms. For a 60-month term, you can finance or refinance new and pre-owned vehicles for up to 135% of their value. However, if you plan to refinance an existing Christian Community loan, you need to cash out $2,500 if the vehicle has good value.

Recreational vehicle loans

You can also secure recreational vehicle loans from Christian Community CU. For new RVs, rates begin at 5.25% APR, while used RVs can have APRs as low as 5.75%. With this type of loan, you can finance up to 120% depending on your credit, and the terms extend to 180 months. But keep in mind that CCCU requires a processing fee of $399 for RV loans.

First-time and parent-assist auto loans

If you’re 18 years old or a parent of a first-time car buyer, you may qualify for the First-Time & Parent-Assist Car Buyer Program. Through this, you can purchase a new or used vehicle with a 5.49% APR and up to 84 months term.

Lease buyout, cash out, and private-party auto loans
CCCU also provides lease buyouts, cashouts, and private-party loans. For a lease buyout and cash out, rates start at 5.99% APR. Meanwhile, if you’re financing through a private party, you can lock in rates as low as 7.99% APR.

Student auto loans

If you’re a student aged 18-24 years old, you can also qualify for a vehicle loan through Christian Community Credit Union’s Student Auto Loan. With this, you can finance new and used vehicles for up to 72 months for as low as 5.49%.

Christian 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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Christian Community Credit Union

Christian Community Credit Union auto loan

Christian Community 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 Christian Community 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 Christian Community Credit Union auto loan

Eligibility criteria

Even if CCCU doesn’t indicate the requirements to finance a vehicle, you typically need to:

  • Be a member of the Christian Community Credit Union
  • Be at least 18 years old
  • Be employed or have a steady source of income

It’s also a great idea to understand the steps on how to get a car loan. This way, you can better prepare your application and boost your chances of getting approved for an auto loan.

How to join Christian Community CU

To become a CCCU member, you need to meet at least one of the following criteria:

  • A member, regular attendee, employee, missionary, or student/alumnus of a Christian church, ministry, or school.
  • A relative of a current Christian Community Credit Union member.
  • A member of the Christian Alliance for Orphans (CAFO)

What you’ll need to have ready:

When you apply for auto financing with Christian Community CU, 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 Christian Community Credit Union 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.

All loan applications are unique. So, CCCU may ask for more details and documents based on your circumstance. For example, you may need to provide information on the vehicle, like its make, model, year, and mileage. Coming prepared with these details can speed up your application process.

Ways to apply for a Christian Community Credit Union auto loan:

  • Apply online by clicking the GO TO SITE link in the table below.
  • Visit a branch
  • Call 800-347-2228

Additional Christian Community CU auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed. However, you can get pre-approved in as fast as 90 seconds.
  • Rate discounts: 0.25% discounts for new members or for using autopay.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: $0.
  • Co-borrowers allowed: Yes.
  • Co-signers: Yes.
  • Ways to repay: Online banking, mobile app, payroll deduction, automatic transfer, and in-person.
  • Hardship program: Undisclosed.

Vehicle restrictions and limitations

  • Maximum vehicle age: Unspecified, but your rate increases by 0.50% if the model year is 10 years or older.
  • Maximum vehicle mileage: Unspecified; however, your rate increases by 0.50% if the vehicle is beyond 100K miles.
  • Other vehicle restrictions: Unspecified.

Pros and cons

Pros

  • Low rates for members with high credit scores.
  • Long loan terms extending up to 84 months.
  • Up to 135% financing for applicants with a credit score of at least 780.
  • Rate discounts for new members and with autopay.
  • No early payment fees.
  • Get pre-approved in 90 seconds.
  • Multiple auto loan options – new and used cars, recreational vehicles, student auto loans, first-time and parent-assist auto loans, lease buyouts, and auto loan refinancing.
  • Discounted auto insurance for members.
  • Over 5,600 shared branches in multiple states.

Cons

  • Limited to CCCU members.
  • Undisclosed minimum loan amount.
  • Additional 0.50% rate for borrowers with credit scores below 660.

Frequently asked questions

Are there discounts available on Christian Community Credit Union auto loans?

Yes. If you’re a new member or if you set up autopay, you can get a 0.25% rate discount and save money.

Are CCCU car loan interest rates fixed or variable?

Christian Community Credit Union offers fixed-rate auto loans.

What is the required down payment for an auto loan?

MYCCCU doesn’t set any down payment requirements, so it may depend on your loan and creditworthiness. In some cases, you won’t need a down payment.

How much interest does Christian Community Credit Union charge on auto loans?

Your interest rates depend on your credit history, collateral, and type of auto loan. Remember that all rates and services offered are subject to credit approval.

  • New and used auto loans, first-time and parent-assist auto loans, and student auto loans: As low as 5.49% APR
  • Recreational vehicle loans: As low as 5.25% APR
  • Lease buyout and cash out: As low as 5.99% APR
  • Private party auto loans: As low as 7.99% APR

What is the oldest car a credit union will finance?

Though CCCU doesn’t specify the maximum vehicle age, your interest rate increases by 0.50% if you finance a 10-year-old car model or older.

What is the maximum length of a Christian Community Credit Union auto loan?

You can finance or refinance your pre-owned or new car for up to 84 months.

Video: Auto refi & see savings in just 90 seconds

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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