Auto Loans

Find your ideal wheels
Member Stories

Looking forward to many beautiful drives in my classic car financed by Ideal Credit Union!

-Amy
Member Stories

I tour the country on my Harley financed by Ideal Credit Union!

-Bill
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Ideal Loans

Auto Loans

Save more on your next vehicle loan

Current rates as low as 2.54%APR*

  • Buy new, used or refinance from another lender
  • Flexible terms from 24 to 84 months**
  • Up to 100% financing and no payments for the first 60 days^
  • Quick loan decisions — you may not even need to visit a branch to complete your auto loan

Apply Online
Make an Appointment


Refinance from another lenderº

Tired of your current rate and higher payment elsewhere? Give Ideal a try to see if you can save more on your current vehicle loan. Apply online today for a quick decision. A representative will follow up to guide you the rest of the way.

Apply to Refinance
Make an Appointment


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 $42.78 per month per $1,000 borrowed for 24 months at 2.54% 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.

ºTitle transfer fee may apply on refinances.

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2018 Holiday Hours


New Year's Day
Monday, January 1st
All locations closed.


Martin Luther King Jr Day
Monday, January 15th
All locations closed.


Presidents' Day
Monday, February 19th
All locations closed.


Good Friday
Friday, March 30th
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 28th
All locations closed.


Independence Day
Wednesday, July 4th
All locations closed.


Labor Day
Monday, September 3rd
All locations closed.


Columbus Day
Monday, October 8th
All locations closed.


Veterans Day
Monday, November 12th
All locations closed


Thanksgiving Day
Thursday, November 22nd
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.


Christmas Eve
Monday, December 24th
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.


Christmas Day
Tuesday, December 25th
All locations closed.


New Year's Eve
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
Tuesday, January 1st
All locations closed


 

Rates as of:

Auto Loan Rates

2018 -2012**APR as low as* 
Up to 24 months 2.54% Apply
Up to 36 months 2.64% Apply
Up to 48 months 2.74% Apply
Up to 60 months 2.94% Apply
Up to 72 months 3.14% Apply
2018 -2015** APR as low as*  
Up to 84 months** 3.89% Apply
2011 - 2008**    
Up to 24 months 4.39% Apply
Up to 36 months 4.64% Apply
Up to 48 months 4.89% Apply
2007 and older**    
Vehicles 10 years and older will be priced at Recreational Vehicle Rates  
    Calculate Payments

*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 $42.78 per month per $1,000 borrowed for 24 months at 2.54% 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.