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Auto Loans

Finance your New or Used* Auto Loan at InTouch Credit Union - It's Easy! (We refinance higher rate loans from other lenders, too!)
  • Competitive auto loan rates
  • Terms up to 84 months (conditions apply)
  • Fast approval
  • No penalty for early payoff

*Used refers to vehicles up to 125,000 maximum mileage.



Find helpful tools and information to help guide you in your vehicle search with our Auto Buying Help.

InTouch Credit Union also offers several online calculators to assist you in these major financial decisions. Our Auto Rebate Calculator can help you determine whether it is more cost effective for you to finance utilize the dealership or taking a rebate offered by the dealer paired with a low credit union loan rate. Typically dealers pose a choice between a rebate and their lower in-house financing rate as an incentive to finance through them; often the better deal is to finance through your local credit union with the dealer’s rebate, find out for sure utilizing this helpful calculator.

Our Auto Loan Calculator factors in your interest rate and terms to figure out your monthly payment. Or work backwards from a monthly payment you can afford to see how much car you can get.

ITCU also offers a list of preferred dealerships that you can find here

Insurance Verification

As part of your loan obligation, you are required to maintain physical damage insurance for the full term of your loan. You may have received a letter from ITCU requesting a current copy of your insurance, showing ITCU as the lienholder on your insurance policy. If you have not already responded or asked your agent to respond to us, you can submit your insurance information by mail, fax or online.

Submit Proof of Insurance Online
  • Visit the secure Insurance Verification site
  • Submit your insurance information on this site
  • We will verify your insurance information
  • Once verified, the insurance information will be added to your account
Submit Proof of Insurance by Mail or Fax

InTouch Credit Union
P.O. Box 260726
Plano, TX 75026
Fax: 800-713-0260

FAQ

Q: Why should I verify my insurance?

A: One of the requirements of the Loan Agreement you signed with InTouch Credit Union (ITCU) is to provide comprehensive and collision coverage, homeowners insurance coverage, or flood insurance coverage protecting the Credit Union’s interest for the full term of the your loan. You are responsible for notifying ITCU that you have this required insurance.

Q: What do I do if I don’t have insurance?

A: You need to get it.

Your Loan Agreement requires that you carry physical damage insurance coverage, homeowner’s insurance coverage, or flood insurance coverage to protect the Credit Union’s interest. Please notify ITCU once you have obtained the required insurance.

You can do it yourself— Please contact the insurance agent or insurance company of your choice to obtain coverage, making sure to name InTouch Credit Union as Loss Payee/Lienholder on your new policy.

Or, we can do it for you.
If you don’t obtain your own insurance, your signed Loan Agreement allows ITCU to purchase insurance to protect our interest in your collateral, and add the premium for the purchased insurance to your loan balance. It also allows ITCU to increase your payments to cover the cost.

The insurance purchased by InTouch Credit Union usually is considerably more than the cost of insurance you may be able to obtain on your own, and only protects the Credit Union’s interest in your collateral. It will not provide any bodily injury or property damage liability coverage, nor meet any financial responsibility or no-fault laws. The insurance will not provide medical insurance, uninsured motorist or underinsured motorist coverage.