Auto Buying Help
InTouch Credit Union is committed to making your car buying experience a smooth ride. One of the ways we want to assist you whether you are searching for a new ride, or you are about to purchase a used vehicle, is through our Auto Buying Help resource. Within this page, you can find links to help you make an informed decision, get rates, calculate payments, apply or learn more below about the “extras” ITCU offers exclusively to its members. From start to finish, we are here for you.
The InTouch Credit Union Car Buying Service powered by TrueCar is a valuable resource to help ensure you're getting the best deal1 on your next vehicle, whether that's your dream car, a second vehicle or a reliable auto for new drivers in the family! Shop with confidence looking for your next new or used2 vehicle by using TrueCar to:
1Between 7/1/18 and 9/30/18, the average savings off MSRP presented by TrueCar Certified Dealers to users of TrueCar powered websites based on users who received in-stock price offers and who TrueCar identified as purchasing a new vehicle of the same make and model as one of the in-stock price offers from a Certified Dealer as of 10/31/18, was $3,402. Your actual savings may vary based on multiple factors including the vehicle you select, region, dealer, and applicable vehicle specific manufacturer incentives which are subject to change. The MSRP is determined by the manufacturer, and may not reflect the price at which vehicles are generally sold in the dealer’s trade area as not all vehicles are sold at MSRP. Each dealer sets its own pricing.
- Get real pricing on local dealer inventory;
- Search top brands and save;
- Browse quality pre-owned vehicles and know the condition of the car before going to the dealership;
- Feel confident in the auto buying experience
2Used car discounts not available in all states.
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A Carfax Vehicle History Report
helps you make a more informed used-car purchase decision. Each report will identify problems such as a flood damage title, salvaged and rebuilt title, odometer rollback, and manufacturer buyback (lemon) title. Carfax has a database with more than 700 million vehicle history records to help you find problems you can’t see. Please note that ITCU does not endorse Carfax and only provides this information as a courtesy to members; we always recommend having a qualified mechanic inspect any used car before making a purchase.
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Auto Loan Calculators
Auto purchases are big decisions. For most of us, it is the single biggest purchase we'll make outside of buying a home. To help you make the best decision, InTouch Credit Union offers several online calculators to put more of the decision-making under your control, not the auto dealer. Our Low Rate or Cash Back Calculator
can help you determine whether it is more cost-effective for you to take a rebate offered by the dealer or go for a cash back option. (Hint: most of the time you are better off taking the rebate and financing with us - but don't take our word for it, use the calculator and see for yourself!)
Our Vehicle Payment Calculator
factors in your interest rate and length of financing term to determine your monthly payment. Or, use this calculator to work backwards from a desired monthly payment to see how much car you can afford to finance.
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GAP with ADR
Guaranteed Asset Protection, also known as GAP, covers the gap between the unpaid loan balance of your vehicle, recreational sports vehicle, boat, motorcycle, or motor home, and the settlement amount your insurance company would pay in the event it is totaled in an accident, non-recovered after theft or some other insurable event. Most insurance policies only cover the current vehicle value. As value can decline sharply during the first few years of ownership, your loan balance could easily end up being greater than the then-current value of your vehicle. That’s where GAP kicks in and protects you from a potentially substantial loss.
An additional benefit of ITCU GAP coverage is Auto Deductible Reimbursement (ADR). ADR is a unique feature that not all other GAP polices sold in the marketplace include. With ITCU GAP, any passenger vehicle insured by the enrolled member will be eligible for reimbursement of the applicable insurance deductible, up to $500 per loss, up to twice per year, on any passenger auto they own and insure, even if the auto doesn't have GAP coverage! ADR is conveniently included, at no additional cost, as a part of the incredible value your ITCU GAP coverage provides.
Get a quote or learn about the benefits of GAP w/ ADR
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Mechanical Breakdown Protection (MBP)
It’s a fact that as vehicles get older, the risk and cost of repairs increase, and with all of the electronics and driver safety features now included in new autos, who can afford an unexpected, and potentially a very expensive repair bill?
To protect against that happening, consider Mechanical Breakdown Protection (MBP) offered by InTouch Credit Union; it provides coverage when you need it most, and besides, who wants to sink hundreds or thousands of dollars in a repair job? Most vehicles can be covered at a very competitive cost, and you'll be able to choose from multiple coverage options with one that is sure to fit your needs. Coverage includes the cost of parts and labor, minus your chosen deductible of $0, $50, $100 or $250.
Get a quote or learn about the benefits of MBP
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InTouch Credit Union is proud to partner with Travelers Insurance to provide auto, home/renters, and other insurance products to members at a discounted rate. You may call 800-842-5936 and speak to a Travelers' representative who will be happy to answer any questions you may have, or click here to learn more or to get a quote
In addition, InTouch Credit Union is proud to offer TruStage® Insurance, bringing more than 80 years of dependable credit union member insurance. For more information, click here to get started
and read up on the other features TruStage provides.
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Find and compare different vehicle’s MPG on this official U.S. government website. The site also offers more information about hybrid vehicles, gas mileage tips and a tool to track your current car’s fuel economy.
to learn more.
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For more car buying tips, click here.
Preferred Auto Dealers (MI, NV, & TX)
At InTouch Credit Union, we work to make your new- or used-car buying
experience as smooth as possible. You have options when you want to finance your dream ride with ITCU. Complete an ITCU auto loan preapproval online, in a branch, or by phone at 800-337-3328.
On the other hand, if you’d rather head straight to the dealership and complete all your paperwork there, we have relationships with the dealerships listed below that can get you driving off into the sunset directly from their office.
Before you go, don’t forget to review the tips in our Auto Buying Help database, calculate what you can afford with one of our Loan Calculators
and of course, check out our competitive Loan Rates
Check out our preferred auto dealers in your state: