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Rally Credit Union Auto Loan Calculator, Interest Rates & Overview

Updated 15 October 2023

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Rally Credit Union auto loans overview

Rally Credit Union (formerly NavyArmy Community Credit Union) has flexible vehicle financing choices offered to members in South Texas and the Rio Grande Valley. At competitive rates, qualified borrowers can finance a variety of pre-owned and new vehicles. These include cars, motorcycles, boats, recreational vehicles, and campers.

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

Minimum loan amount: Undisclosed.
Maximum loan amount: Undisclosed.
Interest rates: 7.49% to 17.49% APR.
Loan terms: Up to 75 months.
Loan fees: Undisclosed.
Discounts: Undisclosed.

RALLY CU AUTO LOAN OPTIONS

New and used auto loans

Rally Credit Union has new and pre-owned car loans ranging from 7.49% to 17.49% APR. In addition, you can make your loan repayments for up to 75 months. You can conveniently apply online, in a Rally CU branch, or directly in a car dealership. Remember though that your rates may depend on your down payment and credit history.

Recreational vehicle loans

You can apply for loans tailored to boats, recreational vehicles, campers, and motorcycles, too. For terms 0-75 months, interest rates begin at 7.49% APR. Then, terms 76-144 months can have APRs from 10.49% to 17.49% APR.

Rally Credit Union auto loan calculator

Loan amount

Term

Provider

Product Information

EST Monthly
Repayment

Interest
Rate

Repayment
Period

Loan
Amounts

Sort loans by

Loan Amount

$25,000

Term

60 months

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Estimated Month Repayments

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Interest Rate

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APR

Repayment Period

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Loan Amounts

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to $100,000

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Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.

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Estimated Month Repayments

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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 Rally Credit Union auto loan

Eligibility criteria

Although Rally Credit Union doesn’t disclose the standards for vehicle financing, you should usually meet the following criteria:

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

To increase your chances of getting a loan, try to build your credit profile, too. A high credit score and positive credit history can help you show you’re a responsible borrower. So, financial institutions may be more willing to offer you their best rates and terms.

How to join Rally Credit Union

People, businesses, organizations, and family members of anyone who lives, works, worships, or studies in:

Aransas
Bee
Cameron
Hidalgo
Jim Wells
Kleberg
Nueces
San Patricio

What you’ll need to have ready

Personal details

When you apply for auto financing with Rally 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 Rally CU 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 asking about the loan fees associated with your car loan, too. This will give you an idea about the total cost of financing your vehicle and help you weigh your choices. Moreover, this can aid you in finding a loan you can comfortably manage in the long run.

Ways to apply for a Meriwest CU auto loan

Apply online by clicking the GO TO SITE link in the table below
Visit a branch
Call 800-622-3631

Additional Rally Credit Union auto loan details

Automatic payment: Available.

Loan approval times: Undisclosed, but loan decisions may be a day to a few weeks based on your application.

Rate discounts: Possible lower rates for members with excellent credit.

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, mobile banking, over the phone, by mail, and in a branch.

Vehicle restrictions and limitations

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

PROS AND CONS

Pros

Flexible repayment terms.
Autopay available.
Multiple payment options – online and mobile banking, over the phone, by mail, and in person.
Co-borrowers allowed.
Over 100 partner dealerships across South Texas.
Convenient application choices – online, in a dealership, and in a branch.
Available for new and used cars, motorcycles, boats, recreational vehicles, and campers.
Several branches across Texas.

Cons

Loan fees undisclosed.
Limited to members.
Undisclosed minimum and maximum loans.
Potential higher APRs for borrowers with poor credit scores.

FREQUENTLY ASKED QUESTIONS

What information do I need to provide when applying for a Rally CU vehicle loan?

When you apply, you need to indicate your personal and contact details as well as details about your income and employment. If you’re applying with a co-applicant, you also need to provide details about your co-borrower.

How to apply for an auto loan at Rally Credit Union?

Auto loan applications can be done online, in a branch, or directly in a dealership.

How many pay slips does Rally CU require during my car loan application?

Rally CU doesn’t disclose the requirements, but you typically need your 2 most recent pay stubs. If you’re self-employed, you commonly need your tax returns.

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

Auto loans can have terms of up to 75 months.

Will applying for a car loan with Rally CU affect my credit score?

When you submit a formal car loan application, Rally CU will conduct a hard credit check, which will appear on your credit report. This will slightly ding your credit score by a few points. Nonetheless, you can build it back by consistently meeting your monthly loan payments.

How do I pay my Rally CU auto loan?

You can pay for your vehicle through online and mobile banking, over the phone, by mail, and in a branch.

Video: Auto loans

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.