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You're Preapproved

Congratulations!
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Why pay more for your vehicle when you can save money with a new vehicle loan or when you refinance your loan from another lender with Ideal Credit Union.

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Apply Today

Enjoy the benefits of an Ideal
Vehicle Loan
  • Rates as low as 2.54% APR*
  • No payments for first 60 days^
  • Terms from 24 to 84 months**
  • Low cost Guaranteed Asset Protection (GAP Plus)
  • Loan Decision in as little as 60 seconds
  • Mechanical Repair Coverage available
  • Rec Vehicle/Boat/Motorcycle loans also available
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No Payments for First 60 Days^

Enjoy your new ride payment-free for the first 60 days - you deserve it!

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Refinance with Ideal and SAVE MORE

Keep scrolling for potential savings on a $25,000 vehicle loan refinanced at 2.89% APR1 for 72 months

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Example of potential savings

$25,000 loan refinanced at 2.89% APR* for 72 months
RateTermMonthly Payment
Current Loan5.00%72 month$402.63
Refinanced at Ideal CU2.89%72 months$378.62
Savings over the life of the loan$1,728.75
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Calculate Your Payment

Back to offer  Start Application

 


PRESCREEN & OPT-OUT NOTICE

Effective January 1, 2018

You received this offer of credit because Ideal Credit Union (“we” or “us’’) used information contained in your credit report to determine that you satisfied certain pre-selected credit criteria for this offer. We reserve the right not to extend credit to you if, after you respond to this offer, we determine that you do not meet the criteria used to select you, you cannot furnish required collateral (loan to value must meet credit union underwriting requirements), the proof of identity you provide is not complete, accurate or verifiable, or you are not competent to enter into contracts.

You have the right to prohibit the use of information contained in your credit fife with any consumer credit reporting agency in connection with any credit transaction that is not initiated by you. You may contact any of the credit reporting agencies by calling 1-888-5-0PT OUT (567-8688) or write to them at the addresses below:

  • Experian Marketing, P.O. Box 919, Allen, TX 75013-0919
  • TransUnion, Opt Out Request, P.O. Box 505, Woodlyn, PA 19094-0505
  • EquifaxOptions, P.O. Box 740123, Atlanta, GA 30374-0123

Terms and conditions: Information contained on your credit report was used in connection with this offer. The amount and terms of any credit offer we extend to you will be determined by your credit history and your capacity to make payments. You received this offer because you meet our requirements for credit. You may no longer qualify if you do not continue to meet the criteria used to select your name for this offer or any applicable criteria on creditworthiness or if you do not or cannot furnish any required collateral.

*APR is Annual Percentage Rate. Rates effective January 1, 2018. Quoted APR is best available for model years 2011 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 available for terms to 84 months. If you accept this offer, the rate for the loan you obtain will be disclosed to you in writing before you become obligated. 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. Call for details. Existing Ideal Credit Union vehicle loans are not eligible for this pre-approved offer. Cannot be combined with any other offer. Equal Opportunity Lender. See current rates. Title transfer fee may apply on refinances. Offer expires January 31, 2018.

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

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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