Find an auto loan that fits your budget.

Auto Loans

Watch the Sun Rise With a New Auto Loan

Insight Credit Union offers financing for new and used autos, as well as recreational vehicles, with a variety of terms available. Qualified members can finance up to 100% of the MSRP for new cars and trucks, and 100% of the NADA retail price for used vehicles.

  • Enjoy great rates with terms up to 84 months
  • Additional Autodraft Discount* available
  • 90 Days - No Payments* for qualified members

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.

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 0.016410% - 0.049315% 5.99% - 18.00%
Used Autos* Up to 84 Months 0.016958% - 0.049315% 6.19% - 18.00%
Experienced/Classic Autos* Up to 36 Months 0.027918% - 0.049288% 10.19% - 17.99%

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 March 21, 2023. Loan subject to normal underwriting guidelines. Your actual rate will be customized based on your credit characteristics. The payment amount and due date of payments will be determined at the time of each advance and disclosed on the Funds Request Voucher. 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. Interest accrues from the date of contract. Approved refinance auto loans subject to a Lien Recording Fee. Other fees may apply. Members with a credit score of 660 or higher may be eligible for 90-days' deferred payments. Offer does not apply to existing Insight Credit Union auto loans. Offer may be withdrawn at any time. Other restrictions may apply.