Vehicle Loans – No Payment for 90 Days+

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!  

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.


Need help finding your next dream car? We’re here to help with our Car Buying services, such as Carvana and TrueCar. Search for your next vehicle, score the best deal, and have it delivered right to your door with Carvana. With TrueCar, you can find the best price on a car at your nearest dealer. Visit our Car Buying Tools page to learn more.

Ready for your next adventure, we offer vehicle loans for cars, trucks, RVs and even boats!



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. 

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

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

people in a boat on a lake






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


Vehicle Loan Rates
TermAPR* as low asEstimated Monthly Payment Per $10,000
New Vehicle
24 months2.19%$426.24
36 months2.24%$287.48
48 months2.25%$218.05
60 months2.25%$176.38
72 months2.64%$150.34
84 months3.79%$135.73
Used Vehicle
24 months2.60%$428.04
36 months2.64%$289.23
48 months2.74%$220.20
60 months2.84%$178.99
72 months3.14%$152.57
RV and Boat loan rates
TermAPR* as low asEstimated Monthly Payment Per $10,000
RV and Boats
36 months4.80%$298.90
48 months4.90%$229.92
60 months5.00%$188.78
72 months5.25%$162.28
84 months5.25%$142.58
144 months5.50%$95.05

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 FCU. 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 FCU 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.

members choice logo

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

Protect you, your family, and your car!

We offer:


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.

+Interest still accrues during period of “no payment for 90 days”.

Online Banking

Become a Master of the Car Buying Process

Car Buying Ebook

Car Buying Services

A cartoon RV in a forest.

Quick Links