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Refinance Review Landmark Credit Union 2024

Find out if you're getting ripped off on your car insurance in less than two minutes.
No long forms · No spam · No rush

Refinance Review Landmark Credit Union 2024

Find out if you're getting ripped off on your car insurance in less than two minutes.
No long forms · No spam · No rush
Jerry, Inc.

Landmark Credit Union Auto Loans Review 2021

Jerry can help you find savings on your car payment (and your insurance!) by comparing providers

That’s more time for you—and more money in your pocket.
Would you pay $500 for a $5 cup of coffee? Of course, not! So why are you paying so much for car-related expenses? You could be leaving hundreds of dollars on the table by not shopping around for a policy that’s the same, just cheaper. Jerry is a car insurance and auto loan refinancing app. All it takes is 60 seconds to see if you’re overpaying.

Calculate your APR

Here’s a handy tool to help you calculate your approximate loan interest rate:
Average Annual Interest RateAverage Monthly Payment
8.45$362

Landmark Credit Union auto loans overview

Landmark Credit Union is a bank based in Wisconsin. It offers auto loans and general financial services like checking and saving accounts, mortgages, and wealth management.
Here’s everything you need to know about Landmark Credit Union auto loans:
  • Starting APR: 1.89%
  • Loan amounts: No minimum
  • Loan terms: Maximum 84 months
  • Minimum required credit score: Not disclosed
  • Application fee: Not disclosed
  • Prepayment penalty: No
  • Prequalification or preapproval: Yes
  • How to apply: Online, by phone, or in-person
Landmark Credit Union auto loan prosLandmark Credit Union auto loan cons
Pre-approval length: Your pre-approval is valid for 60 days with Landmark.Must be purchased from an approved dealer: You must purchase through an approved dealer if going through a dealership.
Dealer locator function available: It’s easy to find an approved dealer with Landmark’s tool.Rates set by dealer: The dealer, not the bank, sets the interest rate.
Financing available for private purchases: Landmark is willing to finance purchases through private parties.

What kind of auto loans does Landmark Credit Union offer?

Loan types

Landmark Credit Union offers auto loans for both new and used vehicles as well as recreational vehicles like motorcycles, boats, and RVs. It also supports refinancing.

Competitive interest rates

Landmark Credit Union offers good interest rates, depending on the applicant’s profile and the term of the loan agreement. The range is from 1.89% to 4.14% APR. Note that your rate will depend on factors like your credit score, and people who have excellent credit tend to be offered the best interest rates.

How much do they cost?

The overall cost of your Landmark Credit Union loan will include:
  • Down payment
  • Ongoing payments
  • Interest
  • Additional fees, if applicable
Landmark Credit Union does not charge a prepayment fee if you find yourself able to pay off the entire sum early.
The specific details of your loan agreement will depend on the model of the vehicle, your credit score, the size of your down payment, and the type of loan. Keep in mind that you also need to pay for things like taxes and warranties.
Be careful not to get upside down on your car loan.

Who is eligible?

Landmark Credit Union does not publish any eligibility information. There may be a preferred minimum credit score or income requirement. Some credit unions require borrowers to be members of the bank.
At a minimum, you probably need to be 18 years old or the state minimum—whichever is higher. Young drivers or people with poor credit may wish to apply with a co-applicant to get a better interest rate.

Getting a quote

Application requirements

There is no information online about the application process to get an auto loan with Landmark Credit Union. In general, applicants may need to provide personal information, financial information, and vehicular information (if they are purchasing via a private party).
  • Personal information: This usually includes contact information and identification information, such as your Social Security Number or Driver’s License number.
  • Proof of income: You must prove to the bank that you are gainfully employed and that you have regular income. This documentation could include pay stubs, tax returns, bank statements, and a letter from your employer.
  • Vehicle information: Eventually, you will need to submit the vehicle’s VIN, mileage, and other relevant information. Dealers can help with this step.

Restrictions

It’s not clear whether Landmark Credit Union has any restrictions on the types of vehicles they will finance. Some banks will not offer loans on vehicles that are older than seven years old or that have more than a certain number of miles. Others will not finance commercial vehicles, for example. Check with an agent to confirm.

Financing amount

There is no minimum financing amount for auto loans with Landmark Credit Union. This is a unique advantage compared to most other lenders. Keep in mind that you may need to leave room in your total loan amount for other factors beyond the vehicle’s sale price, including:
  • Taxes and licensing fees
  • Loan fees
  • Dealer fees
  • Add-ons, such as an extended warranty or gap insurance

Refinancing your Landmark Credit Union auto loan

Landmark Credit Union does offer auto loan refinancing even if you borrowed from another lender. Other than the typical filing fees, you will not pay any additional fees when refinancing with Landmark.
You can borrow additional funds using your vehicle as collateral, too. To start this process, complete the online application and select “Refinance” under “Vehicle Loan Purpose” in the collateral section.
Why would a driver want to refinance? If you financed your original auto loan through a dealership (and 80% of people do), you could be overpaying on your interest rate.
Here are a few reasons why you may want to consider refinancing:
  • Your monthly payments are expensive
  • Your interest rate is high
  • You have better credit now and could qualify for better loan terms

What if Landmark Credit Union isn’t the right choice for you?

You’re stuck—you don’t have a ton of time, but you need to find a good bank to handle your auto loan. Luckily, the Jerry app can help you compare rates quickly. You might even find that your local bank has the best rates for your situation!
Either way, the best way to find the perfect solution is to shop around. You don’t have to call up every bank or comb through confusing websites. Jerry is the super app that helps you save on all your car-related expenses, including auto loans. Jerry will quickly generate personalized quotes, unlock savings, and help you with all the messy paperwork.
Hare are average rates from some of the most popular lenders:
LenderStarting APRTerms (months)Loan amount
Landmark Credit Union2.59%48–72$7,500+
Lightstream2.49%24–84$5,000–$100,000
myAutoLoan2.49%24–72$8,000+
Carvana3.9%36–72$1,000–$85,000
Capital One3.99%36–72$4,000–$50,000

FAQs

What credit score do you need to get a Landmark Credit Union auto loan?

Landmark Credit Union does not publish a minimum required credit score. However, better credit scores tend to unlock the best interest rates. If you’re concerned about your credit history, consider applying with a co-signer.

How do you apply for a Landmark Credit Union auto loan?

If you’re eligible, you can apply online, by phone, or in person for an auto loan with Landmark Credit Union.

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