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 makes 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 are based on Credit Worthiness and are subject to change.

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 2023 – 202460 Months6.49%
New 2023 – 202466 Months6.74%
New 2023 – 202472 Months6.99%
New 2023 – 202475 Months7.24%
Used 2020 – 2022Up to 60 Months6.49%
Used 2020 – 2022Up to 66 Months6.74%
Used 2020 – 2022Up to 72 Months6.99%
Used 2019Up to 60 Months7.49%
Used 2019Up to 66 Months7.74%
Used 2019Up to 72 Months7.99%
Used 2018Up to 60 Months8.24%
Used 2018Up to 66 Months8.49%
Used 2018Up to 72 Months8.74%
Used 2017Up to 48 Months8.99%
Used 2017Up to 60 Months9.24%
Used 2016Up to 48 Months9.49%
Used 2016Up to 60 Months9.74%
Used 2015Up to 36 Months10.49%
Used 2015Up to 48 Months10.74%
Used 2014Up to 36 Months11.49%
Used 2014Up to 42 Months11.74%
Used 2013Up to 36 Months12.49%
Used 2012Up to 36 Months13.49%
Classic Vehicle 20+ Years60 Months9.74%

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 May 1, 2024.

Auto Loan Resources

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 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
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.