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Move your loan to the Credit Union and save big. We've reduced rates for those with less-than-perfect credit. Even a 1% difference on an average auto loan could add up to $500 savings over the life of your loan.
It's free to find out if we can save you money. Click to apply for a loan online. If you're not already a member, you'll need to join before we can process your loan application.
All rates and terms may vary depending on credit worthiness and the amount and percentage financed.
|
Loan Type |
Credit Score Range |
|
Approximate term |
|
W |
O |
R |
T |
H |
Y |
|
Auto Loan 80% Financing |
|
730+ |
729-670 |
669-640 |
639-610 |
609-580 |
579-549 |
|
New, Used and Refi |
|
|
|
|
|
|
|
|
12-48 Months |
APR |
2.49% |
4.50% |
6.90% |
8.65% |
10.90% |
15.50% |
|
49-60 Months |
APR |
2.99% |
4.99% |
7.25% |
8.95% |
11.25% |
16.00% |
|
61-72 Months |
APR |
3.25% |
5.50% |
7.50% |
9.25% |
11.50% |
16.50% |
|
73-84 Months |
APR |
3.75% |
6.00% |
7.90% |
9.60% |
12.00% |
17.00% |
|
Auto Loan 100% Financing |
|
|
|
|
|
|
|
|
New, Used and Refi |
|
|
|
|
|
|
|
|
12-48 Months |
APR |
2.74% |
4.75% |
7.15% |
8.95% |
11.15% |
15.75% |
|
49-60 Months |
APR |
3.24% |
5.24% |
7.50% |
9.20% |
11.50% |
16.25% |
|
61-72 Months |
APR |
3.50% |
5.75% |
7.75% |
9.50% |
11.75% |
16.75% |
|
73-84 Months |
APR |
4.00% |
6.25% |
8.15% |
9.85% |
12.25% |
17.25% |
|
|
|
|
|
|
|
|
|
|
RV, Boat & Motorcycle and Car Title Loans |
|
|
|
|
|
|
36-84 Months |
APR |
6.75% |
8.75% |
10.75% |
13.00% |
14.50% |
17.50% |
Terms for Auto, RV, Boat and Motorcycle loans are approximate and are based on the following amount ranges:
|
AMOUNT RANGE |
MAXIMUM TERMS |
|
$3,000.01-$13,000.00 |
48 Months |
|
$13,000.01-$20,000.00 |
60 Months |
|
$20,000.01-$25,000.00 |
72 Months |
|
$25,000.01 + |
84 Months |
Amount financed may not exceed 100% of the total purchase price including sales price, tax, license, documentation fees, and other costs. Amount financed may not exceed 100% of retail Kelley Blue Book including tax, license and other costs.
We've reduced rates for Line of Credit/Personal Loans!
Use this loan to consolidate debt for one low rate and payment!
|
|
Credit Score Range |
|
|
|
W |
O |
R |
T |
H |
Y |
|
|
|
730+ |
729-670 |
669-640 |
639-610 |
609-580 |
579-549 |
|
Line of Credit/Personal Loan
Resolve Debt Consolidation Loan |
APR |
8.50% |
9.90% |
12.50% |
14.00% |
16.00% |
17.90% |
Repayment on Lines of Credit is based on 2% of the loan balance at the most recent advance, or $25, whichever is greater.
|
Other Loans |
APR |
|
Share Secured |
3.10% |
|
Certificate Secured |
4.10% |
|
The certificate secured APR will vary with the market based on the dividend rate |
|
|
APR |
|
Extended Education |
12.00% |
For Private Student Lending up to $75,000 please visit www.calstatela-fcu.studentchoice.org
Share and Certificate Secured loans are secured by your savings or certificate at CSLA-FCU. Approval and rate is not based on credit score. Share or certificate secured loans may be a good choice for members needing to rebuild credit. A secured Visa card is also available, see our Visa card rates. Repayment on Share and Certificate secured loans is based on 2% of the loan balance at funding, or $25, whichever is greater.
Certificate Secured: The certificate must be renewed until the advance is completely paid. When the certificate is renewed, the APR will change to reflect the new dividend rate plus a margin of 3.00% (Index). The APR will never be less than 3.00% or more than 17.90%. Any increase in the APR will result in more payments of the same amount.
Extended Education: Up to $4,200 for the Extended Education program at CSULA. Loan checks payable to CSULA only, no deferment. Repayment on Extended Education loans is based on 2% of the loan balance at funding, or $25, whichever is greater.
|
Payment Examples: |
Amount |
APR |
Monthly Payment |
Term in Months |
|
Auto Loan 80% Financing |
$13,000 |
2.49% |
$284.84 |
48 |
|
|
$20,000 |
2.99% |
$359.31 |
60 |
|
|
$25,000 |
3.25% |
$382.68 |
72 |
|
|
$30,000 |
3.99% |
$406.63 |
84 |
|
|
$13,000 |
4.99% |
$296.45 |
48 |
|
|
$20,000 |
5.49% |
$377.34 |
60 |
|
|
$25,000 |
5.99% |
$408.45 |
72 |
|
|
$30,000 |
6.75% |
$438.25 |
84 |
|
Auto Loan 100% Financing |
$13,000 |
2.74% |
$286.28 |
48 |
|
|
$20,000 |
3.24% |
$361.53 |
60 |
|
|
$25,000 |
3.50% |
$385.49 |
72 |
|
|
$30,000 |
4.24% |
$410.05 |
84 |
|
|
$13,000 |
5.24% |
$297.91 |
48 |
|
|
$20,000 |
5.74% |
$379.62 |
60 |
|
|
$25,000 |
6.24% |
$411.37 |
72 |
|
|
$30,000 |
7.00% |
$441.86 |
84 |
|
RV, Boat, Motorcycle, Car Title Loan |
$13,000 |
8.75% |
$309.80 |
48 |
|
|
$20,000 |
8.75% |
$393.67 |
60 |
|
|
$25,000 |
8.75% |
$423.23 |
72 |
|
|
$30,000 |
8.75% |
$449.12 |
84 |
|
|
$13,000 |
10.75% |
$321.97 |
48 |
|
|
$20,000 |
10.75% |
$412.75 |
60 |
|
|
$25,000 |
10.75% |
$447.54 |
72 |
|
|
$30,000 |
10.75% |
$478.87 |
84 |
|
Line of Credit |
$5,000 |
9.90% |
$100 |
65 |
|
|
$10,000 |
9.90% |
$200 |
65 |
|
|
$5,000 |
12.25% |
$100 |
71 |
|
|
$10,000 |
12.25% |
$200 |
71 |
|
Share Secured |
$5,000 |
3.10% |
$100 |
54 |
|
|
$10,000 |
3.10% |
$200 |
54 |
|
Certificate Secured |
$5,000 |
4.10% |
$100 |
55 |
|
|
$10,000 |
4.10% |
$200 |
55 |
|
Extended Education |
$4,200 |
12.00% |
$84 |
70 |
Please contact the credit union for payment examples on other rates and terms available. Please note that loan advances, increased rates or missed payments will increase the term of your loan.
APR = Annual Percentage Rate. All loans on approved credit. Rates, terms and programs current as of December 22, 2011, subject to change at any time.
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