Vehicle Loans

Explore more, pay less! We’ll help you take the back roads, ride the waves, or feel at home cross-country or across town with great rates on loans for all types of vehicles. If you already have a vehicle loan, we may be able to help you refinance it at a lower rate or better payment plan!  Ready for your next adventure, we offer vehicle loans for cars, trucks, RVs and even boats!

Ask about our First Time Auto Buying Program for our Young Adult Accounts, because we want to help young adults get a great rate, build good credit, and help fill their first tank of gas with a $50 Gas Card.  Check out our Young Adult Account.



 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
  • Repayment terms up to 84 months for new and 72 months for used
  • Simple interest financing
  • No prepayment penalties
  • Quick application and decisioning
  • Discounts of up to 0.25% when combined with direct deposit (minimum of $500 monthly), checking, e-statements and Visa® debit card^

Manage your account through our mobile app:

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


Vehicle Loan Rates
TermAPR* as low asEstimated Monthly Payment Per $10,000
New Vehicle
24 months2.74%$428.67
36 months2.74%$289.68
48 months3.24%$220.21
60 months3.50%$180.77
72 months3.99%$155.74
84 months4.75%$140.19
Used Vehicle NADA Retail & Trade
24 months3.49%$432.00
36 months3.49%$292.99
48 months3.59%$223.98
60 months3.79%$182.34
72 months3.99%$156.45
RV and Boat loan rates
TermAPR* as low asEstimated Monthly Payment Per $10,000
RV and Boats
36 months5.30%$300.21
48 months5.40%$232.16
60 months5.50%$189.90
72 months6.00%$165.77
84 months6.25%$147.33
144 months7.00%$102.88

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) 

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

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

*APR=Annual Percentage Rate. Loan rates are based on creditworthiness and combined products/services of checking account, direct deposit (minimum $500 monthly), e-statements and VISA Debit Card. Rates are based on 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.

^Members can only qualify for one 0.25% APR discount.

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