Getting the best deal on your vehicle can be stressful. Getting the best deal on your vehicle loan can be stress free. ICCU's low rates, flexible terms, and a speedy process take the stress out of getting the most affordable vehicle loan.
New or Used Vehicle Purchase
Get pre-approved before you shop. Getting pre-approved for your vehicle loan means you’ll have one less thing to worry about negotiating when you find the exact vehicle you want and you’ll drive off the lot that much faster!
ICCU's rates are already lower than those offered by most banks and dealerships. Here are just a few of the reasons why...
- Credit unions are non profit.
- Excess earnings are distributed to members in the form of lower loan rates, higher savings rates or more services.
- Banks distribute excess earnings to stockholders.
Protect your vehicle with low cost GAP Advantage
Did you know that if your vehicle is totaled or stolen, you could face a financial risk that your auto insurance policy may not cover? Guaranteed Asset Protection (GAP) coverage protects you against this risk!
In the event of theft or total loss of your vehicle, most insurance companies only pay the Cash Value of the vehicle at the time of the loss. Your remaining loan balance could be much greater than the Cash Value of your vehicle creating a deficiency of several thousand dollars that you’re liable for!
ICCU’s GAP insurance costs just pennies a day over the life of your loan and hundreds of dollars lower than most dealerships charge for the same coverage.
New and Used Automobiles
Terms up to 72 months**
Refinance your existing auto loan with ICCU and we will meet or beat your current rate*
Same day approval in most cases
Credit Life, Joint Credit Life, Credit Disability and Joint Credit Disability Insurance is available on most applications
GAP Insurance and Extended Warranties are available
We can process tax, title, and licensing for the Secretary of State
*Your rate may vary depending on your account
relationship with the credit union and your credit history. Rates and
terms are subject to change without notice.
**Your term may vary based on the collateral being financed.