Auto Financing for New and Used Vehicles - InTouch Credit Union
Skip to main content

Auto Loans

Auto Loan purple car

Up to $300 Cash Back, No First Payment Due for Up to 60 Days*!

Apply Today

More Money in Our Members' Pockets!

For a limited time only, enjoy 1.00% cash back (up to $300) and no first payment due for up to 60 days on all vehicle loans*!

Get Started by Applying Today!

(*ITCU membership and all loans subject to approval; cash back offer excludes refinancing existing ITCU loans.)

Auto Loans for All Types of Situations

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. 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!

Apply Today

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 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!

Apply Today

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 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!

Apply Today

Ready to Get Started?

Find Your Next Vehicle


Auto Loan FAQs

Do I need insurance when I buy or lease a car?

Yes, all vehicles must be insured and show ITCU as the lienholder. InTouch partners with Travelers Insurance and TruStage® to provide discounted auto insurance.

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

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.

How do I verify my insurance with ITCU?

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 and submit your insurance information.
  • 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

Why should I verify my insurance?

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.

How do I apply for an auto loan?

Click here to apply for an auto loan, call (800) 337-3328 or visit a branch. Our staff will be happy to assist you!

Can I change anything on my application after I submitted it?

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.

How long does it take to know if I've been approved?

Generally, we will reply within the next business day after receiving the application.

Do I need to have a minimum Credit Score, Down Payment, or Co-applicant to be approved for an Auto Loan?

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.

Do I need to provide the VIN as part of my loan application?

If you have it, please share it. However, it is not needed to start the loan process.

When and how do I get the title and registration of the car?

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.

Can I pay my auto loan off early? Is there any fee associated?

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!

Where can I find the status and balance of my Auto Loan with ITCU?

You can find this information through Online or Mobile Banking, chatting via our website, or by calling us at 800-337-3328.

How can I make payments to my Auto Loan?

You may make payments:

  • In-person at any of our branches.
  • Through Online or Mobile Banking. You can set up an automatic payment via Online Banking.
  • Mailing our P.O. Box (P.O. Box 250169, Plano, TX 75025-0169) a check or money order. Do not send cash.
  • Setting up an electronic payment transfer from one of your InTouch accounts or a third-party financial institution.

Connect With Us