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Veridian Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 27 November 2023
Fact checked

Veridian Credit Union auto loans overview

Veridian Credit Union logo

Veridian Credit Union offers competitive and flexible auto loan options whether you’re purchasing or refinancing. Veridian helps members secure financing for a range of vehicles, including cars, travel trailers, motorhomes, and boats. Plus, the credit union boasts minimal fees, rate discounts, and optional auto protection.

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

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Up to 100%.
  • Interest rates: As low as 6.69% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: $10 lien fee paid at the credit union, courthouse, or dealership.
  • Discounts: Loyalty Program rate discounts.

VERIDIAN CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

Whether you’re a first-time buyer or looking to upgrade your ride, Veridian CU can help you finance your vehicle. 2021 and newer models can be as low as 6.69% APR. But if you’re looking for 2020 and older vehicles, rates begin at 7.04% APR. Note though that your rates go higher as the model year gets older.

Motorhome, travel trailer, and boat loans

You can also finance new and pre-owned motorhomes, travel trailers, and boats. Depending on your loan amount, term, and collateral, rates start at 6.04% APR. You may also get a maximum term of up to 180 months.

Veridian 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

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Veridian Credit Union

Veridian Credit Union auto loan

Veridian 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 Veridian 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 Veridian Credit Union auto loan

Eligibility criteria

Although Veridian Credit Union doesn’t disclose the criteria to apply for a loan, you typically need to be:

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

Consider checking your credit score, too. This will give you an idea if you need to make adjustments to build your credit before you apply. Remember that an excellent credit standing can help you lock in lower interest rates and longer terms.

How to join Veridian Credit Union

Veridian CU is open to anyone who meets any of the following eligibility requirements:

  • Live in Iowa, Nebraska, or Minnesota or work at a business located there
  • Donate $5 to Habitat for Humanity as part of the application
  • Have immediate families who are Veridian members

What you’ll need to have ready

Personal details

When you apply for auto financing with Veridian 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 Veridian 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.

It can also help if you know the loan application process. This will prepare you for each step. Moreover, you can gain insights into how you can make your application stand out and increase your chances of approval.

Ways to apply for a Veridian auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call (800) 235-3228

Additional Veridian CU auto loan details

  • Automatic payment: Available.
  • Rate discounts: 0.25% APR discount through the Loyalty Program.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: None.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Hardship program: Delay-a-pay service available. (Learn more)
  • Ways to repay: Online banking, mobile app, ACH debit payment, online payment center, and in a branch.

Vehicle restrictions and limitations

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

PROS AND CONS

Pros

  • Competitive rates.
  • Flexible payment terms.
  • Up to 100% financing, including title, sales tax, license, and up to a year of full coverage auto insurance.
  • Pre-approval available.
  • Quick loan approval.
  • Convenient online application.
  • Multiple partner dealers.
  • 0.25% Loyalty Program discount.
  • Purchase and refinance available.
  • Optional payment protection, guaranteed asset protection (GAP), mechanical breakdown protection, and depreciation protection offered.
  • Serves 50 states.

Cons

  • Membership required.
  • Undisclosed vehicle requirements.
  • Undisclosed minimum loan amount.

FREQUENTLY ASKED QUESTIONS

How much interest does Veridian Credit Union charge on car loans?

Veridian CU’s auto loans start as low as 6.69% APR if you qualify for the Loyalty Program. Otherwise, the lowest APR is 6.94%.

What is the maximum length of a Veridian CU vehicle loan?

You may choose repayment terms of up to 84 months.

Where can I apply for a Veridian auto loan?

You can apply online, in a branch, or at the dealership.

How can I contact Veridian Credit Union about my auto loan?

You can reach Veridian at (800) 235-3228.

How long does Veridian take to approve vehicle finance?

You may get a call or email within 24 hours of submitting your application.

How do I pay my Veridian Credit Union car loan?

You can make loan payments through online banking, mobile app, ACH debit payment, online payment center, and a branch.

Are there early repayment fees on Veridian CU auto loans?

None. You can pay your auto loan early without paying a prepayment penalty.

Video: How to buy a vehicle part 2: The true cost of a vehicle

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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