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

Carla Soto
Carla Soto
Updated 16 October 2023
Fact checked

Partners Federal Credit Union auto loans overview

Partners Federal Credit Union logo

For over 50 years, Partners Federal Credit Union is the credit union for The Walt Disney Company. Partners provides competitive auto loans with flexible repayment periods for cars and specialty vehicles. Other than these, members can also take advantage of rate discounts with autopay, alternate fuel vehicle purchases, and Relationship Rewards.

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

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Undisclosed.
  • Interest rates: As low as 4.99% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: Rate discounts with autopay, alternate fuel vehicles, and Relationship Rewards.

PARTNERS CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

Partners FCU has low-rate loans for purchasing and refinancing used and new vehicles. For 2022 and newer models with under 10,000 miles, rates can be as low as 4.99% APR. Meanwhile, models between 2016 to 2022, APRs begin at 5.49%. Plus, you can extend your terms for up to 84 months.

Specialty vehicle loans

Loans for recreational vehicles, boats, and motorcycles are also available in Partners. Interest rates are as low as 7.99% APR. Depending on the type of your vehicle, you can stretch your loan repayments for as long as 180 months.

Partners 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
Partners Federal Credit Union

Partners Federal Credit Union auto loan

Partners 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 Partners 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 Partners Federal Credit Union auto loan

Eligibility criteria

Partners FCU doesn’t disclose the requirements for auto financing, but you should usually be:

  • A Partners FCU member
  • At least 18 years old
  • A legal resident
  • Employed or have a dependable source of income

It helps to understand how to get a car loan, too. By understanding the steps, you can carefully plan and prepare for your application. Moreover, this will guide your decisions before settling on a loan offer.

How to join Partners Credit Union

You can become a member of Partners FCU if you meet one of the following requirements:

  • An employee of The Walt Disney Company (TWDC) or one of its subsidiaries, Partners Federal Credit Union, or an approved employee group
  • A retiree of TWDC or one of its subsidiaries
  • An immediate family member or roommate of a TWDC employee

What you’ll need to have ready

Personal details

When you apply for auto financing with Partners Federal 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 Partners 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.

Besides the documents you need, try to ask about the loan fees, too. Knowing the total expenses of financing your vehicle will help you weigh your other choices and plan your budget.

Ways to apply for a Partners Credit Union auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 800-948-6677

Additional Partners FCU auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed, but it may range from a day to a few weeks based on your case.
  • Rate discounts: 0.25% rate discounts for automatic payments from a Partners Federal Credit Union checking account. 0.25% APR discount through Relationship Rewards, and an additional rate discount if you finance an alternate fuel vehicle.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Undisclosed.
  • Co-signers: Undisclosed.
  • Ways to repay: Online banking, mobile banking, over the phone, online loan payment portal, and by mail.

Vehicle restrictions and limitations

  • Maximum vehicle age: Undisclosed.
  • Maximum vehicle mileage: 100,000 miles.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Low interest rates.
  • Long repayment terms.
  • No payments for up to 90 days.
  • Convenient car-buying services.
  • 0.25% APR discount for automatic payments.
  • 0.25% APR discount through Relationship Rewards.
  • Rate discounts for alternate fuel vehicles.
  • Multiple payment options (online and mobile banking, over the phone, online loan payment portal, and by mail).
  • Easy online application.
  • Up to $50 refinance cashback.
  • Optional auto coverage and insurance available.

Cons

  • Undisclosed loan fees.
  • Limited to members.
  • Members with low credit scores may receive higher rates.
  • Unspecified minimum and maximum loan amounts.

FREQUENTLY ASKED QUESTIONS

How much interest does Partners Federal Credit Union charge on car loans?

Partners Credit Union’s vehicle loans start as low as 4.99% APR for 2022 and newer models. Then, used vehicles have APRs starting at 5.49% APR.

What is the maximum length of a Partners vehicle loan?

Loan repayment periods extend for up to 84 months.

Are there discounts available on Partners FCU auto loans?

You can take advantage of APR discounts by setting up automatic payments from a Partners Federal Credit Union checking account. Plus, you can get additional rate discounts through Partners’ Relationship Rewards and alternate fuel vehicle purchases.

How to apply for a vehicle loan at Partners Credit Union?

You can apply for an auto loan online or by scheduling an appointment.

Does Partners Federal Credit Union refinance auto loans?

Yes. You can refinance your current auto loan and get up to $50 deposited into your account.

How do I pay my Partners FCU auto loan?

You can pay your car loan through online and mobile banking, over the phone, online loan payment portal, and by mail.

Video: Autoland and car buying

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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