Vehicle Loans

Ready for your next adventure?  We offer vehicle loans for cars, trucks, RVs, and even boats! Search for your next vehicle, score the best deal, and have it delivered to your door with TrueCar®. Visit our Car Buying Tool page to learn more.

sail boat on open water 



Get in the fast lane to the car, truck, or motorcycle of your dreams with our fast decisioning and low rates! You can apply 24 hours a day online or by phone.

  • Up to 100% financing plus tax and tags, extended warranties, GAP insurance and payment protection insurance
  • Variety of terms for new and used
  • Simple interest financing
  • No prepayment penalties
  • Quick application and decisioning

Manage your account through our mobile app:

Download on the Apple App Store button. Get it on Google Play button.

From adrenaline rushes to being in no rush at all, we help you enjoy your time off even more with affordable loans for outdoor toys. Here are the types of recreational vehicles we offer loans for:

ATV Motorhome
Boat RV
Camper Snowmobile
Jetski Trailer & Travel Trailer

RV on sunset - Finance your next adventure with an RV loan






What can you expect when you finance your adventure with Interior Federal:

  • Up to 100% financing plus tax and tags, and debt protection
  • Quick application and decisioning
  • Simple interest financing
  • No prepayment penalties


New & Used Vehicles

Loan TypeUp to 36 months
APR* as low as
37-60 months
APR* as low as
61-72 months
APR* as low as
73-84 months
APR* as low as
New Vehicle6.00%6.25%6.89%7.04%
Used Vehicle6.25%6.75%7.39%7.54%

New automobiles will be defined as those that have not been titled, or those that have been titled within the last 6 months and have less than 7,000 miles.

As of July 1, 2024, monthly payment for a $20,000 loan at 6.00% APR for 36 months will be $386.70 per month. 

Boat & RV

Up to 60 months
APR* as low as
61-72 months
APR* as low as
73-84 months
APR* as low as
85-144^ months
APR* as low as

As of July 1, 2024, monthly payment for a $30,000 loan at 8.20% APR for 60 months will be $611.25 per month.

As of July 1, 2024, monthly payment for a $50,000 loan at 10.00% APR for 85 months will be $823.48 per month.

^Minimum loan amount is $50,000 for terms of 85-144 months.

Do you feel that your auto loan payments are too much? Refinancing may be a good idea to lower your payments, in order to save money. 

To expedite your request to refinance your vehicle:

  • We finance up to the NADA RETAIL VALUE (used cars) 
  • Provide a 14-day written payoff, in writing, from your finance company, which includes the daily interest and the payoff address 
  • Copy of title OR vehicle registration (ownership) 
  • Please provide the current mileage (odometer reading) 

You may be able to lower your monthly payments, and get rid of high interest debt with a Vehicle Equity Loan from Interior Federal. With a Vehicle Equity Loan, you use the value of your car to get rid of high interest debt like credit cards, student loans, or other bills. It’s a simple refinance that puts you in the driver’s seat!

Unsure of the value of your car or details about debts you’d like to pay off? We can help with that. Simply click the Apply button to get started, select Refinance and select the vehicle type you would like to use for your Vehicle Equity Loan.

Benefits of an Interior Federal Vehicle Equity Loan

  • Low rates, especially in comparison to industry personal loans or credit card rates.
  • Various terms.
  • No prepayment penalty.
  • Easy application and fast decisioning.

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With your membership, you receive amazing discounts on Member’s Choice™ products.

Protect you, your family, and your car!

We offer:


You could save $665* on car and insurance. Get a quote. TruStage Insurance Agency


You work hard for your money and even harder to keep your budget on track. So why spend too much on car insurance—maybe hundreds of dollars too much?
Interior Federal members may qualify for discounts on car insurance through the TruStage® Auto Insurance Program. You could save big, and it can be easy to switch carriers—without losing any money.
TruStage offers a powerful mix of savings and popular, member-friendly benefits:
  • Credit union member discounts*
  • Nationally recognized companies
  • Friendly, 24/7 service—even on holidays
  • Discounts for multiple vehicles, safety features, good driving and more*
  • Mobile app for easy claims
It can be easy to get a free quote today. Don’t wait to see how much you could save.
A Tradition of Strength
TruStage is part of a heritage of faithful service to credit union members spanning more than 80 years. Over 20 million people have selected TruStage for AD&D, life, auto & home insurance and more.
TruStage® Auto & Home Insurance Program is made available through TruStage Insurance Agency and issued by leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union. Products and features may not be available in all states. Be sure to understand the complete details of coverage, including any exclusions and limitations. If your credit union enables this insurance program to be offered, it is entitled to compensation from TruStage Insurance Agency, LLC, PO Box 61, Waverly IA 50677-0061. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. Please consult your policy for specific coverages and limitations.  *Discounts and savings are available where state laws and regulations allow and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. © TruStage Insurance Agency 2018

For additional information or assistance, please call us at 800-914-8619.

Calculators are Powered By CULookup and are not a guarantee of credit. Links within the calculator lead to a third party site, Interior Federal does not provide and is not responsible for the product, service, overall website content, security, or privacy policies on any external third-party sites. Results from use of this calculator are for illustrative purposes, and do not constitute a guarantee.

*APR=Annual Percentage Rate. Loan rates are based on creditworthiness and an evaluation of credit history, so your rate may differ. Not all borrowers will qualify for this rate.  For additional rates and terms click here.

Loan subject to approval. Not all applicants will qualify. Not all borrowers will qualify for the lowest rate. Actual rate will vary depending on the applicant’s creditworthiness.

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