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Verity Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 24 November 2023
Fact checked

Verity Credit Union auto loans overview

Verity Credit Union logo

Verity Credit Union was first formed in 1933 and now has eight branches across Washington. Verity has workable auto loan choices for a variety of vehicles, like cars, motorcycles, RVs, boats, and more. On top of competitive offers, members can also get instant approval and qualify for multiple rate discounts

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

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Up to 120% of the value of the vehicle.
  • Interest rates: From 7.50% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: Discounted rates for automatic debit payments, eco-friendly vehicles, and financing less than 80% loan-to-value (LTV).

VERITY CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

Verity CU provides competitive car loans with repayment periods of up to 84 months. New and used auto loans range from 7.50% to 18% APR. Plus, you can get discounts if you set up autopay, purchase a qualified eco-friendly vehicle, or finance less than 80% LTV.

Motorcycle, ATV, and jet ski loans

You can finance new and used motorcycles and new ATVs and jet skis, too. Rates can be as low as 8.25% APR. For motorcycles, the available terms stretch up to 7 years, and you can finance models up to 3 years old.

RV, boat, and marine loans

If you’re looking to cruise the road or the waves, RV, boat, and marine loans are also available. Interest rates range from 4.74% to 19.34% APR whether you’re after new or used models.

Bicycle loans

You can also borrow up to $10,000 for bicycles. With this loan, you can have rates as low as 5.99% APR with a term of 24 months. Additionally, you can use the funds for bicycling gear.

Verity 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
Verity Credit Union

Verity Credit Union auto loan

Verity 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 Verity 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 Verity auto loan

Eligibility criteria

Though Verity Credit Union doesn’t specify the requirements for auto financing, you usually need to be:

  • A Verity CU member
  • 18 years old or older
  • A legal resident
  • Employed or have a steady source of income

Your creditworthiness is one factor that affects your APR and odds of getting approved for a loan. So, try to build your credit standing to secure the best interest and improve your chances.

How to join Verity Credit Union

You can be a Verity CU member if you meet any of the following:

  • Live, work, worship, or attend school in Washington State
  • Immediate family of a Verity member
  • Verity employee
  • Related to selected employee groups

What you’ll need to have ready

Personal details

When you apply for auto financing with Verity 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 Verity 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.

You may also consider preparing a down payment if you can. This will lower the amount you need to borrow, so you may get better rates and terms from lenders.

Ways to apply for a Verity auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call (206) 440-9000 or (800) 444-4589

Additional Verity CU auto loan details

  • Automatic payment: Available.
  • Rate discounts: 0.25% APR discount for automatic debit payments, eco-friendly vehicles, and less than 80% loan-to-value.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: None.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Hardship program: Skip-a-pay available.
  • Ways to repay: Automatic payments, online banking, over the phone, and by mail.

Vehicle restrictions and limitations

  • Maximum vehicle age: Up to 15 years old.
  • Maximum vehicle mileage: 150,000 miles.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Flexible payment terms.
  • Borrow up to 120% of the vehicle’s value.
  • Instant loan approval.
  • No prepayment penalty.
  • 0.25% APR discounts for automatic debit payments, eco-friendly vehicles, and less than 80% LTV.
  • Available for new and used vehicles.
  • Convenient auto-buying service.
  • Pre-approval available.
  • Easy online application.

Cons

  • Limited to members.
  • Undisclosed loan fees.
  • Potential higher rates for borrowers with low credit scores.

FREQUENTLY ASKED QUESTIONS

How much interest does Verity Credit Union charge on auto loans?

Verity offers car loans starting at 7.50% APR.

Are there discounts available on Verity CU auto loans?

You may qualify for 0.25% rate discounts for automatic payments, eco-friendly vehicles, and less than 80% loan-to-value.

What is the maximum term of a Verity CU car loan?

You can finance your auto loan for up to 84 months.

How to apply for an auto loan at Verity vehicle?

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

How long does Verity take to approve auto loans?

You may get approved instantly. But if you do not get instant approval, you may receive the loan decision within 24 hours.

How do I pay my Verity Credit Union car loan?

You can pay your loan by automatic payments, online banking, the phone, and mail.

Video: Explore boat and RV loans – Verity 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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