Auto Loans

Ideal Car & Auto Loans

Vehicle Purchase
Vehicle Refinance

Vehicle Purchase

Fast & Affordable Auto Financing

Ready for a more ideal car buying experience? We make financing your next vehicle quick and convenient, allowing you to focus your attention on your next ride.

Expect low, competitive rates
Relax with terms up to 84 months*
Enjoy with no payments for the first 60 days*

It's simple to finance with Ideal

Apply online and you may not even need to visit a branch before hitting the lots. Get financed today to shop knowing Ideal Credit Union has you covered.

Apply now

Vehicle Refinance

Refinance & save

Tired of your current rate at another lender? Refinance with us to experience our you-first approach, meaning we listen to your ideal outcome and work toward a rate and payment that fits your needs.

Expect some of the lowest rates around
Relax knowing our goal is your affordable payment
Enjoy with no payments for the first 60 days*

New to Ideal? Enjoy exclusive member benefits when you refinance with us

Plus if you're not already a credit union member, refinancing with us means you get access to all the benefits of Ideal membership.

Apply now

Rely on low rates

The credit union difference fuels our need to provide you a low, affordable rate.

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Your affordable payment

We start with what you can afford and then work to get you financing that fits your needs.

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Check Rates

Find Your Ideal Rate

Rates as of:

2019 -2015**	APR as low as*
Up to 24 months	3.39%	Apply
Up to 36 months	3.49%	Apply
Up to 48 months	3.59%	Apply
Up to 60 months	3.79%	Apply
Up to 72 months	3.99%	Apply
2019 -2016**	APR as low as*
Up to 84 months**	4.79%	Apply
2014 - 2013	APR as low as*
Up to 24 months	3.89%	Apply
Up to 36 months	3.99%	Apply
Up to 48 months	4.09%	Apply
Up to 60 months	4.29%	Apply
Up to 72 months	4.49%	Apply
2012 - 2009**	APR as low as*
Up to 24 months	5.24%	Apply
Up to 36 months	5.49%	Apply
Up to 48 months	5.74%	Apply
2008 and older**
Vehicles 10 years and older will be priced at Recreational Vehicle Rates (Untitled Units plus 1% up to 48 months)

*APR is Annual Percentage Rate. Quoted APR is best available rate for model years 2015 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 $43.15 per month per $1,000 borrowed for 24 months at 3.39% 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 2016 - 2019 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.