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Frontwave Credit Union Auto Loan Calculator, Interest Rates & Overview

Updated 16 October 2023

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Frontwave Credit Union auto loans overview

Frontwave Credit Union has been around for over 70 years and continues to serve its members across California. Frontwave offers affordable and workable auto financing options for new and used autos, motorcycles, and recreational vehicles. Qualified members can lock in rates as low as 4.99% APR and choose terms of up to 96 months.

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

Minimum loan amount: Undisclosed.
Maximum loan amount: Up to 115%.
Interest rates: As low as 4.99% APR.
Loan terms: Up to 96 months.
Loan fees: Undisclosed.
Discounts: Rate discounts with automatic payments.

FRONTWAVE CU AUTO LOAN OPTIONS

New and used auto loans

Frontwave offers competitive loans for new and used cars, SUVs, and pickups. 2021 and newer models have rates starting as low as 4.99% APR, while 2014 to 2020 models begin at 5.74% APR. Additionally, repayment periods can be as long as 96 months.

Motorcycle loans

You can also secure up to 100% funding with up to a 72-month term for your two-wheel ride. The starting rate for 2021 and newer models is 7.74% APR. But if you’re looking for 2012 to 2020 models, you can secure rates from 8.49% APR.

Recreational vehicle loans

Loans for recreational vehicles are also available at Frontwave CU. You can finance up to 90% starting at 9.99% APR for 2020 and newer models and 10.49% APR for older models. Also, Frontwave has recreational sport vehicle loans starting at 13.99% APR for 2017 and newer models.

Frontwave Credit Union auto loan calculator

Loan amount

Term

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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Estimated Month Repayments

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APR

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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 Frontwave auto loan

Eligibility criteria

Even if Frontwave Credit Union doesn’t reveal the criteria for auto financing, you should normally be:

18 years old or older
A legal resident
A Frontwave member
Employed or have a dependable source of income

It will also help to keep a low debt-to-income ratio (DTI) and a high credit score. By doing so, you can show lenders your ability to comfortably manage and repay your debts. This way, you can increase your chances of securing favorable loan offers.

How to join Frontwave Credit Union

To become a Frontwave member, you need to meet one of the following criteria:

Live or work in San Diego, Riverside, or San Bernardino counties
An immediate family member of a current Frontwave Credit Union member

What you’ll need to have ready

Personal details

When you apply for auto financing with Frontwave 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

Documents

You may need to provide Frontwave 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.

Consider checking out the steps in getting a vehicle loan, too. Understanding these can prepare you for the loan application and make the process easier and faster.

Ways to apply for a Frontwave auto loan

Apply online by clicking the GO TO SITE link in the table below
Visit a branch
Call 800-736-4500

Additional Frontwave CU auto loan details

Automatic payment: Available.

Loan approval times: Undisclosed, but it may range from 1 business day to a few weeks depending on your case.

Rate discounts: 0.25% rate reduction for automatic payments from a Frontwave Checking account.

Repayment frequency: Monthly.

Late payment fees: Undisclosed.
Prepayment penalty: Undisclosed.

Co-borrowers allowed: Yes.
Co-signers: Undisclosed.

Hardship program: Undisclosed.

Ways to repay: Online banking, payroll deduction, by mail, and in person.

Vehicle restrictions and limitations

Maximum vehicle age: 2008 models.
Maximum vehicle mileage: Undisclosed.
Other vehicle restrictions: Commercial-use vehicles, vehicles for hire, Lemon Law buybacks, and grey/salvage titles are ineligible.

PROS AND CONS

Pros

Low interest rates.
Extended repayment periods.
Option for no payment for 90 days.
Co-borrowers allowed.
Convenient auto-buying services.
Up to 115% financing.
0.25% rate discount with autopay.
Easy online application.
Purchase and refinance available.
Optional low-cost auto insurance offered.

Cons

Undisclosed loan fees.
Limited to members.
Low credit scores may result in higher APRs.

FREQUENTLY ASKED QUESTIONS

Can I apply for a Frontwave Credit Union auto loan online?

Online car loan applications are available at Frontwave Credit Union.

How much interest does Frontwave charge on car loans?

Frontwave CU’s vehicle loans start as low as 4.99% APR for 2021 and newer models. For 2014 to 2020 models, rates start at 5.74% APR.

What is the maximum term of a Frontwave Credit Union auto loan?

Auto loan terms stretch up to 96 months.

Are there discounts available on Frontwave CU auto loans?

You can get a 0.25% APR discount if you set up automatic payments from a Frontwave Checking account.

How many pay slips does Frontwave require during my vehicle loan application?

While the credit union doesn’t list the requirements, you commonly need to prepare your 2 most recent pay stubs.

Will applying for an auto loan with Frontwave CU affect my credit score?

Applying for a loan will require Frontwave to conduct a hard credit check, which will then appear on your credit report. This means it will lower your credit score by a few points but only temporarily. To build your credit, consistently meet your monthly loan payments.

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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.