Auto Loans

Go ahead! Kick the tires. 

There is nothing stopping you from buying the vehicle of your dreams!

Independent Federal Credit Union partners with local dealerships to offer you a wide variety of make and models. New or used, Independent will help you get in the driver’s seat fast. By partnering with quality dealers, and financing with Independent; you can shop for your next car, truck, or van with confidence.

Once you find the vehicle of your choice, simply tell your dealer “I want to finance with Independent Federal Credit Union!” We will work directly with your dealer to help you obtain the best rate available* and get you driving off in your new vehicle in no time. Everything will be taken care of through the dealership, making it as easy as possible for you to buy the vehicle of your dreams.

Rates based on Credit Worthiness and subject to change. 

Race in to get 1% Cash Back!

1% CASHBACK up to $500 on new purchase vehicles, or refinance from another financial institution* Rates as low as 2.49% apr** for 60 months and NO payments for 60 days

Click Below to apply or call 765-649-9271 to contact a Loan Expert today! This is a LIMITED TIME OFFER! Restrictions apply.

*Offer applies to new IFCU loans only, no refinancing of current IFCU loans. **APR=Annual Percentage Rate. Eligibility for the lowest rate is subject to the ability to repay, creditworthiness, risk score and terms of the loan. Down payment may be required. The value for used vehicles will be determined by NADA. Older make vehicles may not be eligible for longer terms. Membership and credit requirements apply. Rates as of 9-1-2020. Minimum amount is $5000 and the maximum amount is $60,000. The interest rate charged and the annual percentage rate is constant for the life of the loan. Interest accrues from the date of the loan being funded. Limited time offer. Federally insured by NCUA.

Independent Financing

Know before you go! Talk to our loan experts about Independent Financing. By working with our Loan Department, you can be prepared and confident when shopping for your next vehicle. If you have already found the car, truck, van, RV, motorcycle or boat of your dreams...then applying is easy.

It’s simple. Choose to apply by visiting us in-branch, applying online or simply asking your dealer for Independent Financing. Independent Financing is your key to Independent ownership.

Apply Now!

So, you have done your homework, kicked the tires, run the numbers, and have made the decision to buy. Get started online! Use our simple online application to apply now.

Get Started

Contact Us

Have a question about a vehicle Loan? Contact our experts in the loan department. Call us today at 765-649-9271, shoot us an email at

Get Connected

Auto Loan Rates

Product TypeTermAPR as low as
New 2019 – 202060 Months3.50%
New 2019 – 202066 Months3.75%
New 2019 – 202072 Months4.00%
New 2019 – 202075 Months4.25%
Used 2016 – 2018Up to 60 Months3.50%
Used 2016 – 2018Up to 66 Months3.75%
Used 2016 – 2018Up to 72 Months4.00%
Used 2015Up to 60 Months4.25%
Used 2015Up to 66 Months4.50%
Used 2015Up to 72 Months5.00%
Used 2014Up to 60 Months4.75%
Used 2014Up to 66 Months5.25%
Used 2014Up to 72 Months5.75%
Used 2013Up to 48 Months5.75%
Used 2013Up to 60 Months6.00%
Used 2012Up to 48 Months6.00%
Used 2012Up to 60 Months6.25%
Used 2011Up to 36 Months6.50%
Used 2011Up to 48 Months7.25%
Used 2010Up to 36 Months7.50%
Used 2010Up to 42 Months7.75%
Used 2009Up to 36 Months9.00%
Used 2008Up to 36 Months9.25%
Classic Vehicle 20+ Years60 Months6.00%

Loans may qualify for additional discounts based on use of additional services. All Certificate of Deposit Rates are quoted at the highest possible rate with $10,000+ deposit and term. Auto Loan Rates are based on vehicle, and applicants credit worthiness. Mortgage rates vary daily. All rates subject to change. First time mortgage applicants are encouraged to apply here. Follow this link to learn more about Home Equity Line of Credit Loans. Rates effective as of July 2020.

Auto Loan Resources

Image for CARFAX


Start your search with CARFAX Used Car Listings. Find a used car or get a CARFAX report. Already Own a Car? Get reminders when your car is due for service and check your car for safety recalls.

Image for Car Buying Tips

Car Buying Tips

Knowledge is Power and Independent Federal Credit Union wants you to 'Know Before You go' to buy a new or used vehicle. Downloading our Car Buying Tips Guide.

Download Guide
Image for NADA Car Guides

NADA Car Guides

New and used car prices, specs, pictures, reviews and more. National Appraisal Guides, Inc. is the largest publisher of vehicle pricing, information and tools for new and used cars, classic cars, motorcycles/powersports, boats, recreation vehicles (RVs) and manufactured homes.

NADA Guides
Image for AutoSmart


Shopping for a car should be convenient and simple. Take AutoSmart for a virtual test drive. With Independent Federal Credit Union's online car-buying resource center, AutoSmart; we make finding your next vehicle easy and fast.

Learn More
Image for Auto Repos for Sale

Auto Repos for Sale

Check back regularly to inquire or bid on repossessed vehicles held by Independent Financial Credit Union

Current Vehicles

Loan Calculator

Use our loan calculator to help you determine the loan financing amount and payment options that are best for you.

Fill out 3 of the 4 fields to obtain the remaining field results. Do not use any punctuation when entering your data, except for the decimal point in the interest rate field.