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

Carla Soto
Carla Soto
Updated 18 October 2023
Fact checked

Redstone Federal Credit Union auto loans overview

Redstone Federal Credit Union logo

Redstone Federal Credit Union (REDFCU) has auto loans with great rates and longer repayment periods. Members can finance up to 130% for as low as 5.79% APR. Plus, Redstone offers financing options tailored to motorcycles, recreational vehicles, boats, and more.

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

  • Minimum loan amount: $25,000 for an 84-month term.
  • Maximum loan amount: Up to 130%.
  • Interest rates: From 5.79% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: Undisclosed.

REDSTONE FEDERAL CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

Whether you’re buying a new or pre-owned vehicle, Redstone FCU offers loans with low rates and flexible terms. You can finance up to 130% of the vehicle starting at 5.79% APR if you meet certain credit requirements.

Recreational vehicle and motorcycle loans

If you want to travel the dirt road or the waves, you can also fund motorcycles and recreational vehicles. Loans are available for RVs, boats, motorcycles, campers, ATVs, UTVs, jet skis, and travel trailers for as low as 7.29% APR. Terms depend on your vehicle type, and you can finance up to 100%.

Redstone Federal 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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Redstone Federal Credit Union

Redstone Federal Credit Union auto loan

Redstone 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 Redstone 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 Redstone Federal Credit Union auto loan

Eligibility criteria

REDFCU doesn’t specify the standards for auto financing, but you should normally be:

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

Remember that each credit union may require different things. Since you need a minimum credit score of 730 to qualify for the lowest rate, consider improving your credit score, too. This will help you have a better chance of securing a more ideal APR.

How to join Redstone Federal Credit Union

You can join Redstone if you meet one of the following:

  • A member of a Redstone membership partner organization
  • An immediate family or household member of a Redstone member
  • A government employee or a government contractor
  • A military member or dependent
  • A member of the military reserve
  • A member of the National Guard

What you’ll need to have ready

Personal details

When you apply for auto financing with Redstone 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 Redstone 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.

Before applying, make sure you’re also familiar with how to get an auto loan. This will give you an insight into the process so that you can make more informed decisions about your application.

Ways to apply for a Redstone FCU auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 800-234-1234

Additional REDFCU auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed, but it may range from a day to a few weeks based on your application.
  • Rate discounts: Potential lower APRs for members with high credit scores.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Undisclosed.
  • Co-signers: Undisclosed.
  • Hardship program: You can call 256-722-3796 or email [email protected] to know your options.
  • Ways to repay: Online banking, mobile banking, over the phone, and by mail.

Vehicle restrictions and limitations

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

PROS AND CONS

Pros

  • Competitive interest rates.
  • Flexible loan terms.
  • Up to 130% financing.
  • No payments for 60 days.
  • On-the-spot financing at multiple partner dealerships.
  • Optional GAP coverage, Mechanical Breakdown Protection (MBP), and auto insurance offered.
  • Loans available for new and used cars, RVs, boats, motorcycles, campers, ATVs, UTVs, jet skis, and travel trailers.
  • Convenient application through online banking.

Cons

  • Membership required.
  • Undisclosed loan fees.
  • A minimum credit score of 730 to qualify for the lowest rates.

FREQUENTLY ASKED QUESTIONS

How much interest does the REDFCU charge on vehicle loans?

Redstone FCU’s new and used auto loans begin at 5.79% APR.

What is the maximum term of a Redstone FCU auto loan?

You can choose terms as long as 84 months for your car loan.

Are Redstone Federal Credit Union auto loan interest rates fixed or variable?

Redstone offers vehicle loans with fixed interest rates.

How much do I qualify for with a Redstone auto loan?

You can finance cars up to 130% of the purchase price for new cars and J.D. Power Book Value for used cars. Remember though that the maximum amount you can borrow is subject to credit approval.

Can I apply for a Redstone Federal Credit Union auto loan online?

Yes. You can apply for vehicle financing through online banking.

How many pay slips does Redstone FCU require during my auto loan application?

While Redstone FCU doesn’t disclose the requirements, you commonly need your 2 most recent pay stubs when you apply.

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

If you submit a formal application, it will lead to a hard credit check, which will appear on your credit report. So, this will temporarily lower your score by a few points.

Video: RFCU auto loan

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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