Auto Loans

Thinking about buying a new or used car?

At IC Credit Union, we make it easier with competitive auto loan rates, quick pre-approvals, and flexible refinancing options. What are you waiting for? Don’t let this opportunity drive by you.

Competitive Auto Loan Rates: As a Credit Union, we care about saving you money, not making a profit. This means you can enjoy lower and more competitive interest rates than you’d traditionally find at a bank. This makes your next car more affordable than ever.
Speedy Pre-Approvals: Our quick and easy auto loan pre-approvals will help you shop for your next car with confidence.
Loan Protection Insurance: Our auto loans come with the option for loan protection insurance, which covers loan payments if you become unable to work due to an unforeseen disability. This option gives you peace of mind that your investment is safeguarded and that you’re securing your financial future.
Auto Loan Refinancing: Do you already have an auto loan? Are you looking to refinance at a lower rate? We’re here to help you save money! Explore our refinancing options that can potentially lower your monthly payments or reduce your interest rate.

Ready to get started? Visit a branch to become a member, apply online, or talk to one of our loan experts today. All auto loans are subject to credit approval.

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OVERVIEW

Get a Loan for the Road

Up to 100% financing

GAP & mechanical breakdown protection

Terms up to 7 years

Auto Loan Calculator

Easy 3-Step Application

Submit your online application

Get an express pre-approval or schedule a meeting

Drive away in your new car

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Or Contact Us

If you have any questions left

Main Office

Address
300 Bemis Road, Fitchburg, MA 01420

Phone
Main Office (800) 262-1001

Get in touch with us

RATES

Auto Loans Rates

Effective as of April 1, 2025

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MODEL YEARS - TERMS	APR	PAYMENT PER $1,000
2021-2025 - 63 Months	5.74%	$18.43
2021-2025 - 66 Months	5.74%	$17.71
2021-2025 - 75 Months	6.49%	$16.26
2021-2025 - 84 Months	6.99%	$15.09
DISCLOSURES: APR = Annual Percentage Rate Rates subject to change without notice. Subject to credit underwriting and approval. Other model years and rates available based on credit score. Take .25% off our Auto Rates with an Auto Pay from an IC Account.
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Used Auto Loans Rates

Effective as of April 1, 2025

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MODEL YEARS	TERM	APR	PAYMENT PER $1,000
2019	63 Months	5.74%	$18.43
2020	63 Months	5.74%	$18.43
2021	63 Months	5.74%	$18.43
2022	63 Months	5.74%	$18.43
2023	63 Months	5.74%	$18.43
2024	63 Months	5.74%	$18.43
DISCLOSURES: APR = Annual Percentage Rate Rates subject to change without notice. Subject to credit underwriting and approval. Other model years and rates available based on credit score. Take .25% off our Auto Rates with an Auto Pay from an IC Account.
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RVs, Boats & Motorcycle Loans Rates

Effective as of April 1, 2025

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LOAN TYPE	TERM	APR	PAYMENT PER $1,000
RVs - Used	120 Months	10.99%	$13.78
20% down payment required on all new or used RVs and Boats. Contact us for other terms.
Boats - New	144 Months	10.24%	$12.10
20% down payment required on all new or used RVs and Boats.
Boats - Used	120 Months	10.99%	$13.78
20% down payment required on all new or used RVs and Boats.
Motorcycles - New	60 Months	6.99%	$19.80
Motorcycles - Used	48 Months	7.49%	$24.18
RVs - New	144 Months	10.24%	$12.10
20% down payment required on all new or used RVs and Boats. Contact us for other terms.
APR = Annual Percentage Rate Rates shown are lowest possible and are subject to credit and income verification. Rates subject to change without notice.
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