Auto Loans
A loan that is used to purchase a specific automobile. First Californian offers financing on new and used vehicles. Refinancing options are available.
Minimum Requirements
- Must meet credit union member eligibility requirements.
- Eligible upon approved credit.
- Loan term – up to 84 months.
- New Vehicle – Models that are current year or previous calendar year.
- Valuation based on MSRP or NADA Retail.
Product Fees
- Account subject to all General Account Fees (Refer to Services Fee Guide).
- Late Fee 5% of monthly payment, minimum $10, maximum $35.
Product Features
- Quick and easy approval (in Branch or online at www.amucu.org).
- Pre-Approval – Available.
- No pre-payment penalty for paying the loan off early.
- Loan payment protection options.
- Debt Protection.
- GAP (Guaranteed Asset Protection).
- MPB (Mechanical Breakdown Protection) Extended Warranty.
- Monthly itemized statement.
Product Benefits
- Fixed rate and payments.
- Flexible terms.
- Competitive rates.
- Free online access.
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