Credit Union Auto Loans

IC can help you get into a new or used car or truck with financing that fits your individual needs. Applying for IC Federal Credit Union Auto Loan is quick, easy, and convenient. Plus, you'll receive a response in just seconds.

  • Great low rates
  • Up to 100% financing
  • Terms up to 7 years
  • Pre-approvals
  • Loan protection insurance
  • Refinancing available

Apply For An Auto Loan Online or if you prefer to apply by phone, simply call 1-(800)-262-1001.

CUDL AutoSMART is a third party website where Members can find useful tools and resources to make buying your next vehicle a snap.

Like-A-Lease

A revolutionary new financing alternative combining the best features of both leasing and conventional financing.

The Like-A-Lease™ Auto Loan from IC Federal Credit Union gives you the benefits of leasing without the hidden costs associated with conventional leases. It's different from a conventional lease because, among other things, you, not a leasing company, retain ownership of the vehicle.

You can buy your vehicle, sell your vehicle, trade-in your vehicle toward a new one or return your vehicle at end of term.

Like-A-Lease™ Auto Loan saves you money in a variety of other ways:

  • No or low down payment required
  • Lower monthly payments - up to 40% less than conventional loans
  • Flexible 2-6 year terms
  • Member can use the vehicle as trade at lease end
  • Member can return the vehicle at lease end
  • Member can refinance remaining balance and keep the vehicle
  • Mileage allowance is 12,000, 15,000, 18, 000 miles per year
  • Excess mileage fee is $.10 per mile
  • No end of lease "disposal fee"
  • Drive a new car - which is safer and has lower maintenance
  • Get more car for your money - better car for the same amount of money as a conventional loan.
  • Minimize cash outlay on a depreciating asset - leaves more money for better uses.

With Like-A-Lease™ Auto Loans you pay only for the portion of the vehicle you expect to use during your contract term. With traditional financing, your monthly payment is based on the total purchase price of the vehicle. Compare Lease vs. Loan with MAPS (Member Auto Payment Saver)

  • You own the vehicle, not a lease company (saves you money on your car insurance)
  • Available for new and late model used cars, pickups, vans, and sports utility vehicles.
  • Up to 72 month terms available on new vehicles.

At the end of your loan contract, you can select the option that's right for you.

  • Keep the vehicle and make a final lump-sum payment for the outstanding Like-A-Lease™ balance
  • Keep the vehicle and refinance the outstanding balance with IC Federal Credit Union
  • Sell or trade-in the vehicle, pay the outstanding balance and keep any profits.
  • Simply return the vehicle to IC Federal Credit Union

Once you compare Like-A-Lease™ to any conventional lease program, you'll be amazed by how much money you will save at IC Federal Credit Union.

Best of all, Like-A-Lease™ comes with professional, local service from people you can trust. Before you lease or buy your next new or used vehicle from any dealership, call or visit any of our convenient Branch Locations.