Auto

Cash-out with our new auto loan refinance option.

Auto Loans

New and Used Auto Loans, Refinance Options and More!

Insight Credit Union offers financing for new and used autos with a variety of terms available. Qualified members can finance up to 120% of the MSRP for new cars and trucks, and 120% of the NADA retail prices for used vehicles.

  • Enjoy rates as low as 2.50% APR*
  • Terms up to 84 months
  • Additional Autodraft Discount2 available

Auto Loan Refinance

Refinancing your auto loan may be an opportunity to reduce your interest rate and monthly payment. Tapping into any equity you may have in your vehicle at the same time may also provide cash for emergencies, to pay off debt or for other needs.

Cash-Out Option

For a limited time only, qualified members can refinance their existing auto loan with a cash-out option1. Cash-out auto refinancing works just like typical auto loan refinancing, which means you replace your current car loan with a new one. With the cash-out option, you borrow extra against the equity in your vehicle and roll that amount into your refinance loan.

Check to see if there is equity in your vehicle. Visit the NADA website now.

Protect What Matters

Credit life and disability insurance as well as extended warranties are available at reasonable prices, which can be added to your loan payments for your convenience.

Auto Loan Rates
Loan Type Term Daily Periodic Rate Annual Percentage Rate
New Autos* Up to 84 Months 0.006849% - 0.044520% 2.50% - 16.25%
Used Autos* Up to 84 Months 0.007534% - 0.046548% 2.75% - 16.99%

Applying for an Auto Loan is easy!

  • Already a member? Log into Insight Online to access your account and we’ll use the information already on file for your application. 
  • Not yet a member? Use the link above to register and provide your information to apply for membership, accounts, and loans.
  • Check Application Status! You can also check the status of submitted applications, or continue where you left off with an application already in progress.

Additional Auto Loan Resources

Buying a car is a big decision that may feel intimidating or confusing. Learn the steps, options, and resources involved, including:

  • The steps to apply for a car loan
  • Developing your budget for buying a car
  • Calculating your payments

Start the Car Loan Playlist


*APR = Annual Percentage Rate. Rates, effective May 16, 2022. The payment amount and due date of payments will be determined at the time of each advance and disclosed on the Funds Request Voucher. For a $25,000 loan with 2.75% APR, will be 60 monthly payments of $17.84 per each $1,000 borrowed.

Loan subject to normal underwriting guidelines. Actual interest rate will be customized based on credit characteristics. Interest accrues from the date of contract. Approved refinance and cash-out refinance auto loans subject to a Lien Recording Fee. Other fees may apply.

1 $2,000 cash-out minimum for cash-out refinance auto loans. Existing Insight Credit Union auto loans are eligible for the cash-out refinance option. Member must be in good standing and current on all loan payments.

2 Receive a 0.25% APR autodraft discount when you autodraft your payment from your existing Insight Credit Union checking account. The autodraft discount will be deducted from your actual rate to determine your final rate. All new checking accounts must be verified and approved to be eligible for the 0.25% APR autodraft discount.

Offer may be withdrawn at any time. Membership required. Restrictions may apply.