Auto Loans
Buy a New Car
All New — All Yours
Ready for something shiny, new and truly all your own? Look no further than Ideal Credit Union for your new car financing needs.
Ideal Auto Loan Benefits
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
Rates as of:
| 2020 and newer** | APR as low as* |
|---|---|
| Up to 24 months | 6.24% |
| Up to 36 months | 6.39% |
| Up to 48 months | 6.54% |
| Up to 60 months | 6.84% |
| Up to 72 months | 7.04% |
| Up to 84 months (must be 2020 or newer**) | 7.24% |
| 2018 - 2019** | APR as low as* |
| Up to 24 months | 6.74% |
| Up to 36 months | 6.79% |
| Up to 48 months | 6.94% |
| Up to 60 months | 7.24% |
| Up to 72 months | 7.34% |
| 2014 - 2017** | APR as low as* |
| Up to 24 months | 7.54% |
| Up to 36 months | 7.79% |
| Up to 48 months | 8.09% |
| Up to 60 months | 8.54% |
| 2013 and older** | |
| Priced at Untitled Units plus 0.80%. Up to 48 months. | |
| *APR = Annual Percentage Rate. Quoted APR is best available rate for model years 2020 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. Higher rates are available for terms to 84 months. Example of payment, pay $44.43 per month per $1,000 borrowed for 24 months at 6.24% 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 2020 or newer and minimum loan amount must be $30,000. LTV restrictions may apply. |
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