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

Carla Soto
Carla Soto
Updated 07 November 2023
Fact checked

SkyOne Federal Credit Union auto loans overview

SkyOne Federal Credit Union logo

SkyOne Federal Credit Union has been around for 70+ years and continues to offer car financing with great rates and workable terms. Members can choose to purchase and refinance new and pre-owned vehicles. Aside from auto loans with rate discounts, SkyOne boasts loans for various vehicle types, like motorcycles, boats, recreational vehicles, and more.

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

  • Minimum loan amount: $2,500.
  • Maximum loan amount: Up to 115%.
  • Interest rates: From 6.49% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: Late fee.
  • Discounts: Autopay, direct deposit, and auto insurance discounts.

SKYONE FEDERAL CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

Whether you’re looking to buy or refinance, you can secure competitive rates and terms at SkyOne. Interest rates start as low as 6.49% APR, and repayment periods can be as long as 84 months. On top of these, you can borrow up to 115%.

Motorcycle loans

You can finance motorcycles, too. New motorcycles begin at 6.99% APR, while used models have APRs starting at 7.49%. Moreover, you can stretch your term for up to 72 months.

Recreational vehicle loans

If you’re after an exciting ride, loans tailored to airplanes, boats, and RVs are also available. Rates start as low as 7.24% APR for new vehicles and 7.74% for used models. Then, you can make your repayments for up to 180 months.

Dirt bike, jet ski, snowmobile, and ATV loans

For dirt bikes, jet skis, snowmobiles, and ATVs, you can borrow from $500 to $50,000 and choose a term of up to 60 months. Depending on your qualifications, fixed interest rates can begin at 13.24% APR.

SkyOne 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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SkyOne Federal Credit Union

SkyOne Federal Credit Union auto loan

SkyOne 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 SkyOne 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 al SkyOne Federal Credit Union auto loan

Eligibility criteria

Even if SkyOne doesn’t list the specific requirements for loans, you usually need to satisfy the following:

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

It helps to boost your credit, too. Displaying an excellent credit profile can show banks, lenders, and credit unions that you’re a responsible applicant. So, they may be more willing to offer you a favorable rate and term.

How to join SkyOne Federal Credit Union

You can be a part of SkyOne if you meet one of the following criteria:

  • A member of a Selected Employee Group (SEG)
  • A family or household member of a current SkyOne FCU member
  • An employee, board member, or volunteer of SkyOne
  • Live, work, regularly conduct business, worship, or go to school in a qualified area around SkyOne Main Branch
  • A member of either Friends of Madrona Marsh (for Southern California residents) or Surfrider Foundation (all other locations)

What you’ll need to have ready

Personal details

When you apply for auto financing with SkyOne 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 SkyOne 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.

Other than satisfying the criteria and preparing the documents, ensure you also know the total cost of financing your vehicle. So, assess the loan fees, monthly payments, and interest charges. Having an idea about the overall expenses will allow you to work out a plan that can help you comfortably manage your loan.

Ways to apply for a SkyOne FCU auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 800-421-7111

Additional SkyOne auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed, but application for car loans can be a day to a few weeks based on your situation.
  • Rate discounts: 0.25% rate discount with autopay and 0.25% direct deposit discount.
  • Repayment frequency: Monthly.
  • Late payment fees: 5% of the balance or $30 (whichever is higher).
  • Prepayment penalty: $0.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Hardship program: Skip-a-payment available. (Learn more)
  • Ways to repay: Online banking, over the phone, and by mail.

Vehicle restrictions and limitations

  • Maximum vehicle age: Undisclosed.
  • Maximum vehicle mileage: Less than 6,000 miles for new automobiles.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Competitive auto loan rates.
  • Long payment terms.
  • Up to 115% financing.
  • 0.25% autopay discount.
  • 0.25% direct deposit discount.
  • Easy online application.
  • Convenient car-buying program offered.
  • No payments for the first 90 days.
  • Joint applications allowed.
  • Loans available for purchasing, refinancing, and lease buyouts.
  • No prepayment penalty.
  • Optional GAP and Mechanical Breakdown Insurance available.

Cons

  • Membership required.
  • Late fee.
  • Higher rates for applicants who don’t set up autopay and direct deposit.

FREQUENTLY ASKED QUESTIONS

How to apply for a SkyOne Federal Credit Union car loan?

You can submit your application online or in a branch.

Are there early repayment fees on SkyOne vehicle loans?

None. You don’t need to worry about prepayment penalties if you pay off your auto loan.

What loan rates does the SkyOne FCU charge on vehicle financing?

A SkyOne loan starts as low as 6.49% APR, including autopay and direct deposit discounts.

Are there discounts available on SkyOne car loans?

Yes. You can get up to a 0.50% discount on your annual percentage rate (APR) with autopay (0.25%) and direct deposits (0.25%).

What is the maximum length of a SkyOne FCU auto loan?

SkyOne offers car loans with terms of up to 84 months.

How much do I qualify for with a SkyOne FCU auto loan?

Depending on your auto loan, you may finance up to 115% of a new car’s Blue Book retail value through SkyOne.

How do I contact SkyOne Federal Credit Union?

You can reach out to the credit union at 800-421-7111 for information on your car loan.

Does SkyOne refinance auto loans?

You can refinance your existing auto loan to SkyOne to lower your interest rate or monthly payment.

Will applying for an auto loan with SkyOne FCU affect my credit score?

Getting a loan from SkyOne will result in a hard credit check, which will temporarily drop your score a by few points. To work on your credit, consistently pay your monthly dues.

Video: How to set up direct deposit at SkyOne Federal Credit Union

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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