Auto Loan Resource Center

Apply Onlilne Request Your Free Quote

Research the resources you need during the whole car-buying process

Ideal Credit Union is with you every step of the way - from figuring out how much vehicle you can afford to wrapping up your loan with confidence.

Calculate Auto Loan Affordability

Estimate how much care you can afford based on your down payment, monthly payment goals and more with our Auto Loan Affordability calculator.

Research Vehicles

New or used. Buying, selling or trading in. Whatever type of vehicle you want or whatever you want to do with your current one, you can dig into the details through trusted sources at NADA and Edmunds.

Enterprise Car Sales

Our partnership with Enterprise provides you special deals when buying used vehicles. It's yet another perk of your Ideal Credit Union membership!

TruStage® Auto & Home Insurance Program*

Because you're an Ideal member, you can receive exclusive discounts on various types of insurance for your car, truck, SUV or van. Learn more, request your free quote online or call 1-855-483-2149.

Loan Payment Protection

Add Loan Payment Protection as insurance against various life events, such as unemployment and disability. Your loan can be canceled altogether or payments waived for a certain period.

What to know before you borrow

Set a realistic budget and borrow only what you need

Check your credit score for the best possible rates

Pay bills online with easy one-time or recurring options

Understand your repayment term, payment and total cost

Set up automatic payments to avoid missing due dates

Pay extra when possible to reduce interest and finish early

Disclaimers

*APR = Annual Percentage Rate. Quoted APR is best available rate for model years 2022 and newer for a 36 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 $29.88 per month per $1,000 borrowed for 36 months at 4.59% APR. Rates are subject to change at any time. Skipping payments for the first 90 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 90 days of the date your loan is funded.

**Actual rates based on applicant's payment and credit history. To be eligible for an 84 month term, vehicle must be 2022 or newer and minimum loan amount must be $30,000. LTV restrictions may apply.