Auto Loans & Vehicle Financing | InTouch Credit Union
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Auto Loans and Vehicle Financing

Blue car for ITCU auto loans & financing

Enjoy No Payment for 60 Days!


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Fast, Flexible Auto Loans Built Around You

If you’re looking to finance a new or used vehicle, or refinance an existing auto loan, InTouch Credit Union offers flexible vehicle financing designed to fit your life and your budget. 

We provide fast approvals, competitive rates, and loan options for nearly anything that moves—whether on land or water. From cars and trucks to boats, RVs, and motorcycles, our loans help you get where you’re going with confidence. 

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InTouch Credit Union serves members nationwide through digital lending and with branch locations in Texas, Nevada, and Michigan. Have questions? Contact us or visit one of our local branches. Our loan experts will be happy to assist you!

Vehicles We Finance

  • New and used cars, trucks, and SUVs
  • Auto loan refinancing from other lenders
  • Motorcycles and powersports vehicles
  • Boats and personal watercraft
  • RVs, campers, and travel trailers

Why Choose InTouch Credit Union for an Auto Loan?

InTouch Credit Union is member-owned, which means our focus is on helping you succeed, not maximizing profits for a big corporation on Wall Street. With personalized service, competitive auto loan rates, and flexible terms, ITCU works to find the right loan for your needs, not just a one-size-fits-all solution. 

How Auto Loan Financing Works at InTouch Credit Union

  • Apply online or in person
  • Get fast approval and personalized terms
  • Shop with confidence or refinance your current loan
  • Drive away with a loan that fits your budget

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Auto Loan Options: New, Used, Refinance, and More

New Auto Loans

Turn that “someday” car into today’s driveway upgrade with a new auto loan from InTouch Credit Union. Enjoy competitive interest rates, flexible loan terms, and no prepayment penalties—so you stay in control from purchase to payoff. Plus, in some cases, auto loan interest may be tax-deductible! Financing your new vehicle just got easier, faster, and smarter.   

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Used Auto Loans

Upgrade your ride without blowing your budget. Our used auto loans offer affordable financing for reliable pre-owned vehicles—perfect for daily commutes, weekend getaways, and everything in between. With competitive rates and flexible terms, you can finance a used car with confidence and keep monthly payments manageable.

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Refinance Your Auto Loan

Still stuck with a pricey car loan from somewhere else? Refinance with InTouch Credit Union and leave high rates in the dust. See if we can lower your monthly payment, cut your interest, or adjust your term—without giving up the car you already love.

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Shop with a Pre-Approved Auto Loan

Get a head start on your auto buying journey. Save time, money, and hassle by getting pre-approved. Shop confidently online or in person. Apply online in just minutes!

Get Pre-Approved Today!

Auto Buying Help

From calculators to insurance, ITCU offers a variety of auto-buying resources to answer all your questions. Learn how we can protect you from missed payments or expensive repair bills. Any questions? Contact us!

Learn More about auto buying help


RV Loans

Turn the open road into home base with an RV loan from InTouch Credit Union. Whether you’re dreaming of beachside mornings or mountain sunsets, we offer flexible RV financing with competitive rates to help you explore more and stress less.  

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Motorcycle Loans

From weekend rides to daily freedom, our motorcycle loans help you finance the bike that fits your lifestyle. With competitive rates and simple approvals, ITCU makes it easy to get on the road—and look good doing it.

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Boat Loans

Not all adventures stay on land. Our boat loans make it easy to finance everything from fishing boats to family cruisers. With great rates and a smooth application process, you can spend less time worrying about financing and more time enjoying open water.

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(*All loans subject to approval.)

Auto Loan Guides and Resources

Auto Loan and Vehicle Financing FAQs

How do I qualify for the best auto loan rate?

Qualifying for the best auto loan rate depends on factors like credit history, loan term, vehicle type, and overall financial profile. At InTouch Credit Union, we review each application individually to help members secure the most competitive rate available for their situation.

Can I pay my auto loan off early? Is there a fee to do so?

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.

Best of all, there is no early-payment fee!

What credit scores do you accept?

We work with a wide range of credit profiles and focus on finding financing solutions that fit your situation. 

How fast can I get approved?

Many applications receive quick decisions, so you can shop with confidence. 

Do you offer payment flexibility?

Yes. Qualified borrowers can enjoy no payments for up to 60 days, giving you breathing room after purchase. 

Auto Loans in Texas, Nevada, and Michigan

Whether you're shopping for your next vehicle or looking to refinance, InTouch Credit Union is here to help, no matter where you call home. We support members in Texas, Nevada, and Michigan with competitive auto loan rates, flexible terms, and guidance at every step. Find your nearest branch to get started.

Local Branches