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Auto Loans

When you are in the market for a car, InTouch Credit Union is the place to start. Whether you are looking for a new car, a used car, or to refinance your current auto loan, we have your best interests in mind. And, we make the best tools available to you so your buying experience is a good one.

An auto loan from InTouch CU can save you money whether you are buying at the dealer or from an individual.


Finance your New or Used* Auto Loan at InTouch Credit Union. It's easy and we offer the flexibility and convenience you are looking for:

  • 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.

New Car Loans


Buying a new car is an exciting prospect, but one that can require unexpected decisions. InTouch Credit Union provides helpful tools and information to help guide you in your vehicle search with our Auto Buying Help. It is an entire database of resources that can make your vehicle purchase a smooth ride. From loan calculators to preferred dealerships, InTouch is there to help.


It can be difficult to calculate quickly whether an offer is the best for you. 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. Our Auto Rebate Calculator can help you determine which approach is more cost effective for you.

Apply for a New Auto


Used Car Loans


Buying a used car can be a great decision. You can often save quite a bit of money on the purchase price by finding a good quality used vehicle. InTouch Credit Union offers you the fantastic resources on our Auto Buying Help page. There, you’ll find helpful tools and information to help guide you in your vehicle search.

Apply for a Used Auto


Refinance Your Auto Loan


If your auto loan’s terms are not working well for you, then maybe it is time to refinance your auto loan at InTouch Credit Union. We can help you determine whether a change to the term, the payments, or the rate is right for you.

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.

Car ownership can be challenging, but InTouch Credit Union wants to put you on the smoothest road with information and services that offer the help you need when you want it.


Auto Insurance FAQ


Q: Must I carry auto insurance?

 

A: As part of your loan obligation, you will be 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.

 

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: How do I verify my insurance with ITCU?

 

A: You should submit proof of insurance online, using the secure tools we set up for this purpose, or by mail or Fax.


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


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.