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. InTouch is here to help.
For example, there's the common rebate dilemma: typically, dealers pose a choice between a rebate and their lower in-house financing rate as an incentive to finance through them. Use our Auto Rebate Calculator to determine which is more cost effective for you. Often, you will find that the best road to the best deal is to finance through your local credit union and take the dealer’s rebate.
Get Started Today with your New Auto Loan!
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 fantastic resources on our Auto Buying Help page. There, you’ll find helpful tools and information to help guide you in your vehicle search.
Using the variety of calculators offered by ITCU can help you to compare payments of different loan amounts, the effects of different loan terms, and other facets of paying for the vehicles that you are considering.
Get Started with Your Used Car Loan Right Away!
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 which term is right for you.
Car ownership can be challenging, but InTouch Credit Union wants to put you on the smoothest road possible with information and services that offer the help you need when you want it.
Keep Your Car but Lower Your Payment!
Insurance is required.
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 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. Please notify ITCU once you have obtained the required insurance, 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.
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
One of the requirements of the Loan Agreement you signed with InTouch Credit Union 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.
If you need to make changes after submitting your application, please contact us at (800) 337-3328, or at [email protected] referencing your Application Number and provide any changes you wish to make.
Generally, we will reply within the next business day after receiving the application.
Credit Score, Down Payment and Co-Applicant are just some of many factors taken into consideration. There is not a minimum credit score or down payment that guarantees loan approval. We recommend that you submit your application and let us look at all of the factors that go into an underwriting decision.
If you have it, please share it. However, it is not needed to start the loan process.
The title will be released to you once the load is paid in full. ITCU will not process registration unless it is through a buyer/seller purchase. Registration can be renewed or applied for at your local DMV.
Yes, you can pay more than your regular payment or even pay in a lump sum. Please ensure that you inform us if you plan to do so, so that your monthly payment schedule is properly adjusted and not thrown off.
There is no early-payment fee!
You may make payments: