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VyStar Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 25 November 2023
Fact checked

VyStar Credit Union auto loans overview

VyStar Credit Union logo

VyStar Credit Union offers flexible auto loan options to members across Central Florida through Georgia. Other than pre-owned and new cars, VyStar finances boats, motorcycles, ATVs, UTVs, RVs, motorhomes, and more. On top of a variety of choices, members can look forward to rate discounts and convenient auto-buying services.

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

  • Minimum loan amount: $15,000 for used car loans with terms of 61-72 months. $20,000 for new and used auto loans with terms of 73-84 months.
  • Maximum loan amount: Undisclosed.
  • Interest rates: From 7.14% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: Discounted rates when using the VyStar car-buying service and setting up direct deposits.

VYSTAR CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

VyStar CU offers financing for both new and used models with terms stretching up to 84 months. For 2022 and newer models, rates start as low as 7.14% APR. Meanwhile, used 2008 to 2021 cars begin at 7.64% APR.

Boat, vessel, and personal watercraft loans

You can also finance new and used boats, vessels, and personal watercraft. Boats and vessels have a minimum rate of 7.89% APR and terms extending up to 240 months. Then, personal watercraft start at 7% APR with repayment periods of up to 72 months.

Motorcycle and other small collateral loans

VyStar has loans tailored to motorcycles and other small collateral, too. Rates can get as low as 6.49% APR for motorcycles, and terms can go up to 84 months. You can also finance a range of small vehicles, like ATVs, UTVs, golf carts, and scooters. Interest rates start at 7%, while terms are up to 72 months.

RV and motorhome loans

If you’re up for a trip, you can also secure new and pre-owned recreational vehicles and motorhomes for up to 240 months. New models have rates from 9.34% APR, while used models begin at 9.59% APR.

VyStar 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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VyStar Credit Union

VyStar Credit Union auto loan

VyStar 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 VyStar 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 VyStar auto loan

Eligibility criteria

Even if VyStar Credit Union doesn’t list the exact criteria to qualify for financing, you typically need to be:

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

Remember that one factor that lenders consider is your financial situation. That said, check your credit score and try to build your credit if you need to. This will give you a higher chance of qualifying for better offers and getting approved for a loan.

How to join VyStar Credit Union

VyStar membership is open to anyone who meets one of the following:

  • Live or work in the 49 contiguous counties of Central to North Florida or 29 Georgia counties
  • Past and present military members and their families
  • Nonprofit organizations or associations located in selected counties in Florida and Georgia

What you’ll need to have ready

Personal details

When you apply for auto financing with VyStar 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 VyStar 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.

If you’re refinancing an existing loan, you may need to prepare more information about your vehicle. For example, VyStar may ask about your vehicle’s year, make, model, and vehicle identification number (VIN). Knowing these details before you apply can make your application go smoother.

Ways to apply for a VyStar auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 904-777-6000 or 800-445-6289

Additional VyStar CU auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed, but it may range from a day to a few weeks based on your situation.
  • Rate discounts: 0.25% APR discount for recurring direct deposit into your VyStar checking or savings account and purchasing through the VyStar car-buying service.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: None.
  • Co-borrowers allowed: Undisclosed.
  • Co-signers: Undisclosed.
  • Ways to repay: Online banking, in person, via mail, and over the phone.

Vehicle restrictions and limitations

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

PROS AND CONS

Pros

  • Flexible loan terms.
  • 0.25% APR discount for setting up recurring direct deposit into your VyStar checking or savings account.
  • 0.25% APR discount for using the VyStar car-buying service.
  • No prepayment penalty.
  • Pre-approval available.
  • Easy online application.
  • Convenient car-buying service.
  • No payments for up to 90 days.
  • Purchase and refinance available.
  • Optional GAP and auto insurance offered.

Cons

  • Membership required.
  • Undisclosed loan fees.
  • Higher minimum loan amounts for longer terms.

FREQUENTLY ASKED QUESTIONS

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

New cars begin at 7.14% APR, while used cars have rates starting at 7.64% APR.

Are there discounts available on VyStar CU vehicle loans?

You may get 0.25% rate discounts for setting up recurring direct deposits and using the VyStar car-buying service.

What is the maximum length of a VyStar CU car loan?

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

Can I apply for a VyStar auto loan online?

Yes. VyStar offers an easy online loan application.

How do I pay my VyStar Credit Union vehicle loan?

You can pay your VyStar auto loan through online banking, in person, by mail, and over the phone.

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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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