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If you use the pre-approval at a dealership, the dealer must call NFCU and obtain a validation code, which has to be written on the pre-approval draft. There are no additional fees associated with NFCU’s auto loan.Rates are based on your credit (having a FICO score over 700 helps) and the year model of the car you’re looking to finance.As you can see, new vehicles have the most favorable financing and terms – 96 months is offered only for new vehicles.Used vehicles are limited to loans up to 72 months, and have the highest maximum APR.No one wants to be paying a car loan back for 8 years.Stick to your budget and remember not to focus solely on the monthly payment – take the overall cost of the loan into consideration.There’s a useful auto loan calculator on NFCU’s page where you can estimate what your payments will be.For example, if you financed a new vehicle for ,000 on a 1.49% APR for 36 months, your monthly payment will be 6.00.
If you’re still shopping for a car and looking for a pre-approval, you’ll need: Pre-approvals are only good for 60 days and can’t be used for a private seller. If you already know the car you want to buy, you’ll need: You can choose to have a check sent to you via Fedex (for free), or you can pick up the check at a local branch.Pro: Active duty or retirees are eligible for a 1/4% APR discount if they apply at a branch or via phone.Those that have been members of NFCU for 25 or more years are also eligible for the discount.Once you submit your application, NFCU will determine whether or not you’re qualified for that amount.New vehicle financing: NFCU defines a new vehicle as a 2014, 2015, or 2016 model year with less than 7,499 miles.