Auto/Secured Loans
At New Dimensions FCU, a better loan means being there for you every step of the way. From helping you get the best deal possible on your new vehicle to getting your money fast, we're here with friendly, personal service throughout the entire process. You can get pre approved before you even head out to the dealerships, giving you buying power. If you've already financed with another institution, it's not too late to bring your loan over to New Dimensions FCU. We may be able to save you hundreds or even thousands of dollars with our low, low interest rates! We even make it easy to apply. You can apply right here online or give us a call. We'll take care of the rest!
To find, compare or research vehicles and locate a local AUTOSMART dealer, click on the stickman located at the bottom, left of this page. You may also choose to lock in your loan and obtain a CUDL Smart Pre-Approval before visiting the dealership. Here's how this convenient process works: click here to use the interactive loan calculator, or go directly to the online pre-approval application. If qualified, you'll be given a pre-approval certificate to print and take to a CUDL dealership. Just present the certificate at the dealership of your choice to redeem it.
Our interest rates are tiered for risk. The higher your credit score is the lower your rate. Need help understanding or raising your credit score? Call or stop by the office to discuss your situation with our experienced lending staff.
Click here for Understanding FICO Scores.
The following rates have an effective date of February 1st, 2012
| SCORE | GRADE | Auto, Recreational and other Secured (non real estate) | MAXIMUM | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Rate and payment per $1000 | |||||||||
| 24 MO | 36 MO | 48 MO | 60 MO | 72 MO* | 84 MO* | 120 MO* | LTV | ||
| 700+ | A | 3.99% | 3.99% | 3.99% | 4.49% | 4.99% | 5.49% | 6.49% | 100% |
| $43.42 | $29.52 | $22.57 | $18.64 | $16.10 | $14.37 | $11.35 | |||
| 650-699 | B | 4.49% | 4.74% | 4.99% | 5.49% | 5.99% | 6.49% | 7.49% | 100% |
| $43.64 | $29.85 | $23.02 | $19.10 | $16.57 | $14.84 | $11.86 | |||
| 620-649 | C | 5.49% | 5.74% | 5.99% | 6.49% | 6.99% | 7.49% | 8.49% | 100% |
| $44.09 | $30.30 | $23.48 | $19.56 | $17.04 | $15.33 | $12.39 | |||
| 550-619 | D** | 8.49% | 8.74% | 8.99% | 9.49% | N/A | N/A | N/A | 100% |
| $45.45 | $31.68 | $24.88 | $21.00 | ||||||
| 549 or less | E** | 13.49% | 13.74% | 13.99% | 14.49% | N/A | N/A | N/A | 100% |
| $47.77 | $34.05 | $27.32 | $23.52 | ||||||
*72 Monthterm for loans over $15,000.00
*84 Month term for loans over $25,000.00 - A, B,& C only
*120 Month term of recreational vehicles over $25,000
**Income verification, stable employment and payroll deduction/automatic payment required
ALL RATES SUBJECT TO CHANGE AT THE DISCRETION OF THE BOARD OF DIRECTORS
MEMBERSHIP ELIGIBILITY REQUIRED




