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Auto Loans

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What are you looking to do?

Why choose an Ideal Auto Loan?

Flexible terms

Terms from 24 to 84 months.*

Quick loan decisions

No need to visit a branch.

No payments for the first 60 days**

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How can we help?

Find me a great rate

As a credit union, our focus is on delivering a great rate with an affordable payment that works for you.

Check rates

Meet to discuss goals

Meet with us to talk about your goals. You'll find you are closer to achieving them than you thought!

Make an appointment

Help me save more

Have a vehicle loan elsewhere? Apply to refinance with Ideal and see if you can achieve a lower rate or payment.

Apply to refinance

Help me research & shop

Use our Auto Resource Center to research new and used vehicles, shop using the AskAuto® App, talk with a local Trustage® insurance specialist and more.

Get started

Help me get preapproved

Use our convenient online application, make an appointment, or stop in to apply. It's quick, convenient, and gets you ahead of the game!

Apply now
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Auto Loans

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Questions on your current loan?

Rates as of:
*APR is Annual Percentage Rate. Quoted APR is best available rate for model years 2012 and newer for a 24 month term; rate may be higher depending on factors such as credit history, repayment term selected, amount financed and mileage of vehicle. Slightly higher rates are available for terms to 84 months. Example of payment, pay $43.11 per month per $1,000 borrowed for 24 months at 3.29% APR. Rates are subject to change at any time. Actual rates based on applicant's payment and credit history. To be eligible for an 84 month term, vehicle must be 2015 - 2018 and minimum loan amount must be $30,000. Max LTV is 105%. Title transfer fee may apply on refinances.

**Skipping payments for the first 60 days will increase the amount of interest you pay and will take you longer to payoff the loan. The regular loan payment will begin within 60 days of the date your loan is funded.

2018 - 19 Holiday Hours

Christmas Eve (2018)
Monday, December 24th
All locations open until 1:00 p.m.
Lobby - 9:00 a.m. to 1:00 p.m.
Drive-thru - 9:00 a.m. to 1:00 p.m.

Christmas Day (2018)
Tuesday, December 25th
All locations closed.

New Year's Eve (2018)
Monday, December 31
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.

New Years Day (2019)
Tuesday, January 1st
All locations closed


Martin Luther King Jr Day
Monday, January 21st
All locations closed.

Presidents' Day
Monday, February 18th
All locations closed.

Good Friday
Friday, April 19th
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.

Memorial Day
Monday, May 27th
All locations closed.

Independence Day
Thursday, July 4th
All locations closed.

Labor Day
Monday, September 2nd
All locations closed.

Columbus Day
Monday, October 14th
All locations closed.

Veterans Day
Monday, November 11th
All locations closed

Thanksgiving Day
Thursday, November 28th
All locations closed.

Day after Thanksgiving
All locations are open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.

 

Rates as of:
2019 -2013**APR as low as* 
Up to 24 months 3.29% Apply
Up to 36 months 3.39% Apply
Up to 48 months 3.49% Apply
Up to 60 months 3.69% Apply
Up to 72 months 3.89% Apply
2019 -2016** APR as low as*  
Up to 84 months** 4.69% Apply
2012 - 2009**    
Up to 24 months 5.14% Apply
Up to 36 months 5.39% Apply
Up to 48 months 5.64% Apply
2008 and older**    
Vehicles 10 years and older will be priced at Recreational Vehicle Rates  

*APR is Annual Percentage Rate. Quoted APR is best available rate for model years 2012 and newer for a 24 month term; rate may be higher depending on factors such as credit history, repayment term selected, amount financed and mileage of vehicle. Slightly higher rates are available for terms to 84 months. Example of payment, pay $43.11 per month per $1,000 borrowed for 24 months at 3.29% APR. Rates are subject to change at any time.

**Actual rates based on applicant's payment and credit history. To be eligible for an 84 month term, vehicle must be 2015 - 2018 and minimum loan amount must be $30,000. Max LTV is 105%.

^Skipping payments for the first 60 days will increase the amount of interest you pay and will take you longer to payoff the loan. The regular loan payment will begin within 60 days of the date your loan is funded.