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.
|2019 -2015**||APR as low as*|
|Up to 24 months||3.39%||Apply|
|Up to 36 months||3.49%||Apply|
|Up to 48 months||3.59%||Apply|
|Up to 60 months||3.79%||Apply|
|Up to 72 months||3.99%||Apply|
|2019 -2016**||APR as low as*|
|Up to 84 months**||4.79%||Apply|
|2014 - 2013||APR as low as*|
|Up to 24 months||3.89%||Apply|
|Up to 36 months||3.99%||Apply|
|Up to 48 months||4.09%||Apply|
|Up to 60 months||4.29%||Apply|
|Up to 72 months||4.49%||Apply|
|2012 - 2009**||APR as low as*|
|Up to 24 months||5.24%||Apply|
|Up to 36 months||5.49%||Apply|
|Up to 48 months||5.74%||Apply|
|2008 and older**|
|Vehicles 10 years and older will be priced at Recreational Vehicle Rates (Untitled Units plus 1% up to 48 months)|
*APR is Annual Percentage Rate. Quoted APR is best available rate for model years 2015 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.