Is this page an offer of credit?

No. It is a lender's published offer, copied from the lender's public website on the date shown, and nothing on it is a quote, a pre-approval or a commitment to lend. Your rate is set by the lender after you apply on its site.

Why does the APR show a range?

Because that is what the lender publishes. Banrox shows the APR block only when the lender publishes one and quotes the lender's own wording; the rate you are offered depends on your credit history, income, amount and term, and may be higher than the lowest rate shown.

How is the monthly payment estimate calculated?

Principal and interest at the lowest APR the lender publishes, over the term you pick, excluding origination and other fees. It is an estimate for comparison only, and the lender's own disclosure governs.

What is the "Lowest APR" history chart?

A record of the lowest APR this lender published each time Banrox checked its page, so you can see whether the rate has been moving. It is a history of published rates, not a prediction of what you will be offered.

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Consumers Credit Union Auto Loan (new and used, purchase or refinance)

Consumers Credit Union · Auto loan · Rates as of Nov 09, 2026

APR (fixed)

4.49% to 10.49%

APR, fixed

What Consumers Credit Union publishes: "APR from 4.49% for 0 to 60 months with the Car Buying Service on 2025 and newer vehicles, up to 10.49% for 73 to 84 months without the Car Buying Service on 2019 and older vehicles. The Car Buying Service adds a 0.50% APR discount. Rates effective October 12, 2026."

Published table (rates effective May 4, 2026) by term and model year, 'as low as'. With Car Buying Service: 0-60 mo 3.99/4.49/4.99/7.99% (2025+ / 2023-24 / 2020-22 / 2019 and older); 61-72 mo 4.49/4.99/5.49/8.49%; 73-84 mo 5.49/5.99/6.49/9.49%. Without Car Buying Service: 0-60 mo 4.49/4.99/5.49/8.49%; 61-72 mo 4.99/5.49/5.99/8.99%; 73-84 mo 5.99/6.49/6.99/9.99%. apr_max 9.99% is the highest published 'as low as' cell (84 mo, 2019 and older, no buying service), not a creditworthiness ceiling. All rates assume automatic payment.

Representative example from the lender: An example of payment terms is as follows: a $20,000 amount financed with an APR of 4.49% and a term of 60 months would result in a monthly payment of $373.00. (The rates page variant shows $20,000 at 3.99% APR for 60 months = $368.00.)

The rate you are offered is set by Consumers Credit Union after you apply on its site. It depends on your credit history, income, loan amount and term, and may be higher than the lowest rate shown here.

Loan amount and term

Loan amount	See lender
Term	up to 84 months
Rate type	fixed
Funding speed	Preapproval in minutes online; sign by phone, online or in branch (funding time not stated)

Fees

Origination fee	Not stated
Prepayment penalty	Not stated
Late fee	10-day grace period before late fees apply (amount not stated)

Eligibility

Minimum credit score	Not disclosed
States	Not stated
Membership	Required, see the lender's eligibility rules

Highlights

Funding: Preapproval in minutes online; sign by phone, online or in branch (funding time not stated)
Credit union membership required

About Consumers Credit Union

Legal name	Consumers Credit Union (Illinois)
Type	Credit union
Website	https://www.myconsumers.org

Source and date

Rates as of	Nov 09, 2026
Lender rate page	Open

Every number on this page is copied from Consumers Credit Union's public website on the date above. Banrox does not set, estimate or adjust lender rates.

Estimated payment

at 4.49% APR, the lowest published

/month

Loan amount and term

Apply

Apply on Consumers Credit Union's site

See the lender's rate page

Lowest APR, last 17 checks

Estimate only. Principal and interest at the lowest APR the lender publishes, excluding fees. Your actual rate, payment and eligibility are decided by the lender. This is not an offer or a commitment to lend.

Compare with

LightStream: LightStream Auto Refinance 10.24% to 17.99%
PenFed Credit Union: PenFed Auto Loan (new, used, refinance, car buying service) 3.39% to 6.24%
OneMain Financial: OneMain Financial Auto Refinance Loan / Auto Purchase Loan Not published

Third-party lenders

Loan offers are provided by third-party lenders. Banrox is a technology company and is not a lender. Banrox does not take loan applications, make credit decisions or fund loans.

Compensation

Banrox may receive compensation from some lenders when you click or apply through links on this page. Compensation does not affect the rates shown, which are taken from each lender's public website as of the date displayed.

Rates and estimates

Rates, amounts, terms and fees are shown as published on the lender's website on the date marked above and may change without notice. The payment estimate uses the lowest APR the lender publishes and excludes origination and other fees; the lender's own disclosure governs. Nothing on this page is an offer, a rate quote or a commitment to lend.

Before you rely on anything on this page

Banrox does not decide. Banrox Inc. is a technology company. It is not a bank, a lender, a loan broker, or a credit repair organization, and it does not approve, deny, price or underwrite any credit product. Every decision belongs to the bank, lender or issuer, under its own criteria and its own licences.

Nothing here is an offer. Rates, payments, limits and terms shown on this site are published information or arithmetic estimates. They are not quotes, not pre-approvals and not offers of credit. Your actual terms depend on the provider's review of your application. See where these numbers come from.

Equal Credit Opportunity Act. The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning Banrox Inc. is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580. More on fair lending.

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