AUTO LOANS & REFINANCING Apply for Loan | Rates | Pay Loan | Contact Us 727.431.7690
AUTO LOANS & REFINANCING
Apply | Rates | 727.431.7690
Whether you’re buying new or used, or refinancing your current loan, Achieva Credit Union makes the process easy, fast, and affordable.
Looking beyond car or truck loans? We finance RVs, boats, motorcycles, golf carts, jet skis, and ATVs. Get pre-qualified today with no impact to your credit score. Apply now!
Already have an auto loan? Refinance with us and keep more money in your pocket. You could save thousands in interest over the life of your loan.
REFINANCE & SAVE
Refinance with us and keep more money in your pocket.
Use our pre-qualification tool before you head to the dealership, and shop with confidence.
Get a great rate and drive off with your new ride sooner.
Calculate your best financing and payment options to identify the optimal affordability for your next vehicle.
We offer optional insurance services that can be added to your loan:
Save on auto insurance with Achieva Insurance Agency
We shop around for the best rates from multiple carriers. Get a free quote, call 888.351.4672 or visit www.achievainsurance.com to learn more.
How soon will I get a decision?
Are there application fees?
What are the current rates for auto loans?
| APR as low as |
|---|
| 4.75% |
| Call 727.431.7690 — visit a branch or APPLY TODAY to start driving your dream car for less. |
APR=Annual Percentage Rate and is based on loan term, credit and collateral qualifications. On a loan amount of $15,000 with an APR of 4.75% and a 36-month term, your monthly payment would be $447.88. Commercial use vehicles are not eligible. Internal refinances may be subject to $200 refinance fee. If you choose to refinance your loan with Achieva Credit Union, we may be able to reduce your APR. However, if you choose a loan term that is longer than the term left on your current loan, you will pay interest over a longer period of time and the overall cost of the loan may be higher. Indirect Auto Loans financed through Achieva Credit Union in the past 12 months are not eligible for refinancing. Rates are subject to change without notice. All loans are subject to approval. Membership qualifications apply.
Do you offer loans for boats, motorcycles, RVs, or golf carts?
| Fixed APR as low as |
|---|
| 6.75% |
| Call 727.431.7690 — visit a branch or APPLY TODAY to start enjoying your new Boat,RV or Camper. |
APR = Annual Percentage Rate. Example: For a typical fixed rate loan with a loan amount of $20,000, a term of 36 months, a minimum credit score of 760 and an Annual Percentage Rate of 6.75% the monthly payment would be $615.36. If you choose to refinance your loan with Achieva Credit Union, we may be able to reduce your APR. However, if you choose a loan term that is longer than the term left on your current loan, you will pay interest over a longer period of time and the overall cost of the loan may be higher. Rates are subject to change without notice. All loans are subject to approval. Membership qualifications apply
| APR as low as |
|---|
| 6.75% |
| Call 727.431.7690 — visit a branch or APPLY TODAY to start enjoying the freedom of your new motorcycle. |
APR= Annual Percentage Rate. For a typical loan with a loan amount of $10,000, with a minimum credit score of 760, a term of 36 Months and an Annual Percentage Rate of 6.75%, the monthly payment would be $307.69. If you choose to refinance your loan with Achieva Credit Union, we may be able to reduce your APR. However, if you choose a loan term that is longer than the term left on your current loan, you will pay interest over a longer period of time and the overall cost of the loan may be higher. Rates are subject to change without notice. All loans are subject to approval. Membership qualifications apply.
| APR as low as |
|---|
| 5.75% |
| Call 727.431.7690 — visit a branch or APPLY TODAY to start enjoying your Golf Cart. |
APR= Annual Percentage Rates. For a typical loan with a loan amount of $15,000, with a minimum credit score of 760, a term of 36 months and an Annual Percentage Rate of 5.75%, the monthly payment would be $454.63. If you choose to refinance your loan with Achieva Credit Union, we may be able to reduce your APR. However, if you choose a loan term that is longer than the term left on your current loan, you will pay interest over a longer period of time and the overall cost of the loan may be higher. Rates are subject to change without notice. All loans are subject to approval. Membership qualifications apply.
| APR as low as |
|---|
| 8.75% |
| Call 727.431.7690 — visit a branch or APPLY TODAY to start enjoying your Recreational Vehicle. |
APR= Annual Percentage Rates. For a typical loan with a loan amount of $15,000, with a minimum credit score of 760, a term of 36 months and an Annual Percentage Rate of 8.75%, the monthly payment would be $475.25. If you choose to refinance your loan with Achieva Credit Union, we may be able to reduce your APR. However, if you choose a loan term that is longer than the term left on your current loan, you will pay interest over a longer period of time and the overall cost of the loan may be higher. Rates are subject to change without notice. All loans are subject to approval. Membership qualifications apply.
Can I be preapproved for a loan to help me when I am vehicle shopping?
What is the difference between pre-approval and pre-qualification?
Are there penalties for early repayment? Does paying off my loan early save money?
Can I refinance my current auto loan?
When should I consider refinancing my car loan?
Why choose Achieva Credit Union over a traditional big bank or dealership?
1 Loan terms are subject to creditworthiness. Actual loan terms may vary.
2 Maximum term based on various factors, including the amount financed.
3 Qualified borrowers may defer payments up to 90 days after loan signing. Interest will accrue from the date of the loan until payments begin. Participating in this program results in up to a 90-day extension of the loan, maximum term 84-months. Cannot be combined with other offers.
4 Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company (Home Office: Waverly, IA), is optional to purchase and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative or refer to the Group Policy for a full explanation of the terms. Base Policy Nos. CI-MP-POL, CI-SP-POL, B3a-830-0996, B3a-800-0695, B3a-800-0288, CI-MP-CE-POL; CI-MP-OE-CC-POL; CI-MP-OE-POL; B3a-800-0992.
5 GAP is not insurance; it is an optional debt cancellation product. GAP will not affect your application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP Fee to the amount financed under your loan will increase the cost of GAP because there will be additional interest due based on the inclusion of the GAP Fee in the loan principal amount. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid, if no benefits have been provided. GAP purchased from state-chartered credit unions in FL, GA, IA, IN, UT, VT, and WI may be with or without a refund provision. Prices of the refundable and non-refundable products are likely to differ. If you purchase a refundable product, you may cancel at any time during the loan and receive a refund of the unearned fee, if no benefits have been provided. GAP purchased from state-chartered credit unions in CO, MO or SC may be canceled at any time during the loan and receive a refund of the unearned fee, if no benefits have been provided.
6 Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA; where coverage is offered as insurance by Virginia Surety Company, Inc., in NH; where coverage is provided and administered by Consumer Program Administrators, Inc. dba Consumer Warranty Program Administrators, in TX; where coverage is provided and administered by Consumer Program Administrators, Inc. dba The Administrators of Consumer Programs (TX License #175), in FL and OK; where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051) , and in WA; where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 1-800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. The purchase of Mechanical Repair Coverage is optional. This document provides general information about Mechanical Repair Coverage and should not be solely relied upon when purchasing coverage. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions and exclusions. Coverage varies by state. Replacement parts may be new, used, non-OEM or remanufactured. The product being offered is a service contract and is separate and distinct from any product or service warranty which may be provided by the manufacturer, importer, or seller, and does not extend the term of any original product or service warranty that the manufacturer, importer, or seller may have provided. CDCL, GAP, MRC-7093512.1-1024-1126