Auto Loans

Refinance Your Car Loan

Better Rate — Better Payment

Tired of the high rate and payment on your current car loan at another lender? Refinance with Ideal Credit Union to take advantage of a potentially lower rate and payment plus all the benefits of an Ideal Auto Loan.


Ideal Credit Union auto loans come with many benefits you can rely on, including:

Competitive Financing

  • Competitive low rates
  • No payments for the first 60 days^
  • Terms from 24 to 84 months

Reliable Financing

  • Quick loan decisions
  • Optional GAP Plus protection
  • Mechanical Repair Coverage available

Apply Online  Make an Appointment

Rates as of:
2019 -2013**APR as low as* 
Up to 24 months3.39%Apply
Up to 36 months3.49%Apply
Up to 48 months3.59%Apply
Up to 60 months3.79%Apply
Up to 72 months3.99%Apply
2019 -2016**APR as low as* 
Up to 84 months**4.79%Apply
2012 - 2009**  
Up to 24 months5.24%Apply
Up to 36 months5.49%Apply
Up to 48 months5.74%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 2013 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.


Auto Loans

Insure your investment

Questions on your current loan?

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.