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

Carla Soto
Carla Soto
Updated 5 Sep 2023
Fact checked

A quick review of ESL Federal Credit Union auto loans

ESL Federal Credit Union (ESL FCU) logo

ESL Federal Credit Union (ESL FCU) was founded in 1920 and has 24 branches spanning across New York State. ESL offers convenient financing options that come with workable rates and flexible terms. Ranging from cars to RVs and boats, members can purchase or refinance multiple types of vehicles.

Want to see what an ESL auto loan will cost? Try the ESL 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 ESL Federal Credit Union auto loan features

  • Minimum loan amount: $15,000 for terms longer than 66 months.
  • Maximum loan amount: Up to 150% of the invoiced amount.
  • Interest rates: Start at 7.39% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: Late fees.
  • Discounts: Potential lower rates for qualified borrowers.

ESL FEDERAL CREDIT UNION LOAN OPTIONS

Auto loans

ESL has low-cost fixed-rate auto loans with flexible terms of up to 84 months. Starting at 7.39% APR, you can secure new and current used vehicles. But if you want to finance 2021 or older models, rates can begin at 7.49% APR. Remember though that the longer your term and the older your vehicle are, the higher your APR will be.

Leisure vehicle, boat, and RV loans

If you’re looking for vehicles for your adventure, ESL also has a selection of loans tailored for you. You can pick from different vehicles – motorcycles, personal watercraft, ATVs, snowmobiles, boats, and RVs. Rates start as low as 7.49% APR, and terms can stretch up to 120 months depending on the collateral.

ESL Federal 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
ESL Federal Credit Union

ESL Federal Credit Union auto loan

ESL 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 ESL 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 an ESL Federal Credit Union auto loan

Eligibility criteria

  • Be a member of ESL
  • At least 18 years old

While banks, lenders, and credit unions have unique credit requirements, it helps to have good credit. In general, a good to excellent credit score can increase your chances of locking in better rates and getting approved.

How to join ESL

To qualify for membership, you need to live in Genesee, Livingston, Monroe, Ontario, Orleans, Seneca, Steuben, Wayne, Wyoming, or Yates AND:

  • Be a family or household member of an existing ESL member
  • Be an employee or retiree in one of ESL’s partner companies
  • Be a member of one of ESL’s groups and associations
  • Be a member, employee, retiree, or volunteer at the George Eastman Museum
  • Live, work, worship, or study within the boundaries of the City of Rochester

In case you live in the eligible counties above but only meet a few requirements, you can still join. ESL will pay for your membership at George Eastman Museum.

What you’ll need to have ready

When you apply for auto financing with ESL 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 ESL FCU 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 plan to refinance an existing loan, you need to submit more documents. ESL will need a payoff letter from your original financial institution and the original NYS title. Being prepared with the required documents can help make your application easier.

Ways to apply for an ESL Federal Credit Union auto loan:

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 800-848-2265

Additional ESL auto loan details

  • Automatic payment: Available.
  • Rate discounts: Possible lower rates for borrowers with high credit scores.
  • Repayment frequency: Monthly.
  • Late payment fees: 10% of the overdue payment of interest and principal.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Ways to repay: Online banking, mobile app, in a branch, by mail, over the phone, and chat banking.
  • Hardship program: Undisclosed.

Vehicle restrictions and limitations

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

PROS AND CONS

Pros

  • Flexible terms of up to 84 months.
  • Fixed rates to make budgeting easier.
  • Up to 150% financing.
  • Multiple partner dealers across NY.
  • Many ways to pay – online banking, mobile app, in a branch, by mail, over the phone, and chat banking.
  • Quick approval process at dealerships.
  • Credit approval valid for 30 days.
  • Potential cashback through Owners’ Dividend.
  • Co-borrowers allowed.

Cons

  • Exclusive to ESL members.
  • 10% late payment fees.
  • Members with poor credit may receive higher interest rates.
  • Unspecified vehicle restrictions.

Frequently asked questions

Are ESL auto loan interest rates fixed or variable?

ESL offers fixed-rate auto loans.

What is the phone number for ESL loan payment?

You can call 585-336-1000 or 800-848-2265.

How much do I qualify for with an ESL Credit Union car loan?

Depending on your vehicle and credit standing, you can borrow up to 150% of the invoiced amount, including tax, title, license, and optional warranties.

Can I apply for an ESL Federal Credit Union car loan online?

Yes. You can submit your auto loan application online.

How do I qualify for vehicle financing at ESL?

To apply, you need to be an ESL member and 18 years or older. You can apply online, over the phone, in a branch, or directly at any participating dealer.

Video: ESL personal banking

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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Seeloans.com provides factual information in relation to financial products. While Seeloans.com attempts to make a wide range of products and providers available, it may not cover all the options available to you. Moreover, we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. All product information comes from the product provider or publicly available information and to the best of our knowledge is correct at the time of publishing. The information published on Seeloans.com is general in nature only and does not consider your personal objectives, financial situation or particular needs and is not recommending any particular product to you. If you decide to apply for a product you will be dealing directly with that provider and not with Seeloans.com. Seeloans.com recommends that you read the relevant product disclosure statement or product guide before taking up any financial product offer. For more information please see Seeloans.com’s Terms of Use and Services Guide.

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