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Monthly Payment Calculator

We provide these tools and calculators as a resource to help you evaluate lending products. Results are only estimates and we don’t guarantee the results or your ability to receive the loan terms. If you have questions about your specific financial situation, contact your financial advisor.

When selecting an amount, keep in mind that you may need additional funds for anything the dealer may add that isn’t included in the MSRP. Some examples: applicable sales tax, title and registration fees, dealer fees, optional product and services, and other changes.

Frequently Asked Questions

Before you apply with NCCU.

What information do I need to complete the NCCU auto loan application online?

To complete your car loan application, you’ll need:

  • Personal information (including name, Social Security number, date of birth, address, phone and email address)
  • Employment information and annual income
  • Loan amount you wish to finance and length or term of the loan
  • Loan type (Used Car or dealer purchase)
  • Vehicle information (including year, make, model and current mileage)

    If you’re purchasing a new or used car and don’t yet know the details about the car, you can still apply for a loan. We’ll collect this information later.

    We may ask for additional information after you submit your loan application.

Use our Refinance Checklist or Purchase Checklist to help you prepare.

What type of car can I purchase with a NCCU auto loan?

We offer NCCU car loans on most makes and models of new or used cars, small trucks, SUVs and minivans. Used cars cannot be five years older than the current model year and must have no more than 75,000 miles. Vehicles cannot have been sold as scrap, have a branded or salvage title, which indicates a total loss due to collision, fire, hail or water damage, or be used for racing or hire, such as a taxi cab or chauffeured limousine, or for other commercial purposes.

Can I finance a boat, motorcycle or recreational vehicle with NCCU?

Yes. NCCU offer loans for all vehicle types including boats.

Can I get dealer specials and promotions by financing through NCCU?

NCCU is continuously working to establish partnership deals with local dealerships to provide our members with the best deals available.

Buyers Checklist

Here’s what you’ll need to get your car loan. Having these documents ready will help make your car financing process easier and faster.

During the application and loan process, you’ll need the following information:

  • Vehicle make, model and year – vehicle must not be 5 years older than the current model year
  • Vehicle mileage – must be under 75,000 miles
  • Vehicle Identification Number (VIN)
  • Any vehicle features and special options
  • Country of vehicle registration
  • Car insurance information

    Note: If you’re purchasing a new or used car and don’t yet know the details about the car, you can still apply for a loan. We’ll collect this information later.

During the application and loan process, you’ll need the following information:

  • A copy of the purchase agreement (this should show the amount you want to finance)
  • The dealership contact information (so we may verify the purchase information)

    Note: Any down payment made should be shown on the purchase agreement. Gap insurance may not be financed.

    If you select automatic payments to be deducted from a NCCU checking account to pay your car loan, we will request your checking account and check routing numbers.

    A Power of Attorney (POA) is required and will be notarized at closing. (NCCU typically provide a notary public at no cost to you.)

    At your convenience, we will schedule a date and time for you to sign your loan documents at the NCCU office.

Additional documents that may be requested:

  • Verification of income (for example, most recent paystubs or job letter)
  • Verification of identity
  • Verification of residence (for example, a copy of a utility bill)

Considerations when buying a used vehicle:

  • Take time to inspect the vehicle during daylight hours. Viewing the vehicle during the daytime with a dealer or private party gives you the opportunity to take your time to examine it clearly and comprehensively, giving you a better chance to see any potential blemishes, damage, or issues.
  • Test-drive in all conditions. Make sure the vehicle performs as it should in a variety of potential conditions. For example, test a car or motorcycle on the highway and in slower residential areas.
  • Examine the vehicle’s history. Find out the vehicle’s service records, how many previous owners it’s had, and if it has ever been in an accident.
  • Have a mechanic inspect the vehicle before buying. If possible, take the vehicle to a trusted mechanic before you purchase. Make your offer contingent on a successful inspection.
  • Ask to see the private party’s current vehicle registration. Find out if the private party has proper ownership of the vehicle and if its registration is paid and up to date.

It’s easy to get started! Simply complete our Contact Form or call 1-869-469-5634 to arrange a free consultation.