New Auto Loan

Get a New Auto Loan with Competitive Rates from InTouch Credit Union

Buying a new car should feel exciting, not overwhelming. InTouch Credit Union offers tools, guidance, and auto buying resources to help you compare vehicles, understand financing, and choose the right new car loan with confidence. NEW: Recent IRS rule changes may allow you to deduct interest paid on a new (not used) auto loan from ITCU. Visit the official IRS website for details.

Benefits of Financing with an ITCU New Auto Loan

Terms Up to 84 Months (Conditions Apply)

Fast Approvals

No Penalty for Early Payoff

Apply Today

Make an Appointment

Find Your Next Vehicle

Tips for Getting the Best New Auto Loan Rate

Check your credit before applying
Consider a shorter loan term
Make a larger down payment
Get pre-approved before visiting the dealership
Compare offers— but remember credit unions often beat dealer financing

New SUV on open road, symbolizing new car financing from ITCU

Drive Off with a New Auto Loan and No Payment for Up to 60 Days

Your Next Car is Waiting for You!

Auto Loan FAQs

Can I pay my auto loan off early?

Yes. InTouch Credit Union does not charge prepayment penalties, so you can pay off your auto loan early and save on interest.

Do I need to have a minimum credit score, down payment, or co-applicant to be approved for a New 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.

How long does it take to know if I've been approved for my New Auto Loan?

Most new auto loan applications receive a decision quickly, often the same business day. Approval time may vary depending on credit history and whether additional documentation is required.

Featured Auto Buying Articles

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See how your credit score impacts auto loan rates, monthly payments, and total borrowing costs, plus tips to improve your score before applying.
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Evaluating a 0% APR Car Deal

Those flashy 0% auto loan offers can be tempting, especially in a shaky economy. But a deeper look often reveals smarter ways to save on your next car.
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New Auto Loans in Texas, Nevada, and Michigan

Wherever you’re shopping for your new vehicle, InTouch Credit Union is here to help. We proudly serve members across Texas, Nevada, and Michigan with competitive rates, flexible terms, and personalized guidance. Find your nearest branch to get started.