Ideal CU Auto Loans
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.
- Rates as low as 5.49% APR*
- Relax with terms up to 84 months*
- Enjoy no payments for the first 90 days*
It's simple to finance with Ideal
Get financing today to shop knowing Ideal Credit Union has you covered.
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.
- Rates as low as 5.49% APR*
- Relax knowing our goal is your affordable payment
- Enjoy no payments for the first 90 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.
Check Rates
Find Your Ideal Rate
Rates as of:
| 2020 and newer** | APR as low as* |
|---|---|
| Up to 24 months | 5.49% |
| Up to 36 months | 5.64% |
| Up to 48 months | 5.79% |
| Up to 60 months | 6.09% |
| Up to 72 months | 6.29% |
| Up to 84 months (must be 2020 or newer**) | 6.49% |
| 2018 - 2019** | APR as low as* |
| Up to 24 months | 5.99% |
| Up to 36 months | 6.04% |
| Up to 48 months | 6.19% |
| Up to 60 months | 6.49% |
| Up to 72 months | 6.59% |
| 2014 - 2017** | APR as low as* |
| Up to 24 months | 6.79% |
| Up to 36 months | 7.04% |
| Up to 48 months | 7.34% |
| Up to 60 months | 7.79% |
| 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 $44.10 per month per $1,000 borrowed for 24 months at 5.49% 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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