Vehicle Loans – No Payment for 90 Days+
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Ready for your next adventure, we offer vehicle loans for cars, trucks, RVs and even boats!
- Auto & Motorcycle
- Boats & Recreational Vehicles
- Current Rates
- Refinancing
- Vehicle Equity Loan
- Vehicle Coverage
- Insurance Discounts
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 96 months for new and 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:
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 |
What can you expect when you finance your adventure with Interior Federal Credit Union:
- Up to 85% financing plus tax and tags, and debt protection
- Repayment terms up to 144 months
- Quick application and decisioning
- Simple interest financing
- No prepayment penalties
- Discounts of up to 0.25% when combined with direct deposit (minimum of $500 monthly), checking, e-statements and Visa® debit card
New & Used Vehicles
| Loan Type | Up to 36 months APR as low as | 37-60 months APR as low as | 61-72 months APR as low as | 73-96* months APR as low as |
|---|---|---|---|---|
| New Vehicle | 1.99% | 2.25% | 2.30% | 2.50% |
| Used Vehicle | 1.99% | 2.50% | 2.75% | 3.00% |
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.
A loan of $20,000 for 60 months, at an annual percentage rate of 2.25% APR will have a monthly payment of $352.78.
A loan of $50,000 for 96 months, at an annual percentage rate of 2.50% APR will have a monthly payment of $569.66.
*Minimum loan amount is $50,000 for terms of 85-96 months.
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 |
|---|---|---|---|
| 4.75% | 4.75% | 5.00% | 5.50% |
A loan of $30,000 for 60 months, at an annual percentage rate of 4.75% APR will have a monthly payment of $562.79.
*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 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.
With your membership, you receive amazing discounts on Member’s Choice™ products.
Protect you, your family, and your car!
We offer:
- GAP Insurance
- Mechanical Repair Coverage (MRC)
- Debt Protection (on more than auto loans!)
- 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
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 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.
+Interest still accrues during period of “no payment for 90 days”.
*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.
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.
^Rates for Signature, Debt Consolidation and Vehicle loans include a 0.25% relationship discount if member has an Interior FCU Checking Account, Direct Deposit (minimum $500/month), Visa® Debit Card and E-statements.
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