Auto Loans
Find the perfect car
Whether you are in the market for a new or used car or motorcycle, we offer you competitive, exceptionally serviced vehicle loans at a fixed rate.
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With auto loan rates as low as 4.00% APR*, our financing makes it easier to move forward with your summer plans.
Want an Even Lower Rate?
- Set up direct deposit and enroll in autopay to reduce your rate by 0.50%
- Finance a hybrid or electric vehicle and save an extra 0.25%**
That is a total potential discount of 0.75%, bringing your final rate down to as low as 3.25% APR!
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WE ARE GOING THE EXTRA MILE TO SAVE YOU MONEY ON YOUR CAR LOAN!
Financing a car loan often can mean higher rates and frustration that can keep you off the road.
Some of the benefits of taking a vehicle loan with us:
- Fast pre-approval
- Monthly payments to fit your budget
- No prepayment penalties
- Simple interest
- Financing up to 100% of the purchase price
How we determine the loan amount for used vehicles:
Our Used Car loan values are determined using the NADA (National Automobile Dealers Association) Used Car guide. Many factors and qualities are used to determine the vehicle value. Here are a few:
- Year, Make and Model
- VIN (Vehicle Identification Number)
- Mileage
- Special Features
FIXED RATE
Fixed rate vehicle loans provide you with the security of knowing your payment amount for the life of the loan. If you like to set a budget for expenditures, this is the loan option best suited for you. You may want to select this loan option if you are:
- Looking to pay consistent payments throughout the life of the loan
- Planning to keep the car longer than the life of the loan
- Certain of the exact date your car will be paid for
Vehicle Loan Rates
Effective as of 07/01/2025
Effective as of 07/01/2025
| USED Vehicle Loan Rates (Fixed Rate) | ||||||
| Term (months) | 24 | 36 | 48 | 60 | 72 | 84 |
| Up to 80% LTV Ratio | 4.250% | 4.250% | 4.500% | 4.750% | 5.250% | 5.750% |
| Payment per $1,000 | $43.54 | $29.64 | $22.80 | $18.76 | $16.22 | $14.49 |
| Over 80% - 100% LTV Ratio | 4.250% | 4.250% | 4.500% | 4.750% | 5.250% | 5.750% |
| Payment per $1,000 | $43.54 | $29.64 | $23.14 | $18.76 | $16.22 | $14.49 |
| Over 100% LTV Ratio | 4.250% | 4.250% | 5.250% | 4.750% | 5.250% | 5.750% |
| Payment per $1,000 | $43.54 | $29.64 | $23.14 | $18.76 | $16.22 | $14.49 |
DISCOUNT FOR DIRECT DEPOSIT AND AUTOMATIC PAYMENT FOR VEHICLE LOANS:
Optimize your financial strategy with our exclusive Direct Deposit and Automatic Payment Setup feature. Enjoy a 0.50% rate discount when you seamlessly arrange for your salary payroll to be directly deposited into your IDB Global Federal Credit Union checking or savings account and establish automatic loan payments. Elevate your financial efficiency while saving on your vehicle loan interest. It's the perfect blend of convenience and savings.
All rates are subject to change daily.
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QUESTIONS? Just contact our Lending Department to get started.