Vehicle Loans

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Hit The Road

Apply for a vehicle loan with IRFCU today!

Apply Today!
Vehicle Rates - Effective Wednesday, July 9, 2025
Loan TypeRates as low asTerms & Information
NEW VEHICLE LOAN » 4.99% 36 M Apply Now!
USED VEHICLE LOAN » 6.99% 36 M Apply Now!
OLDER USED VEHICLE LOAN » 8.99% 60 M Apply Now!
NEW EV-HYBRID VEHICLE 4.74% 0 M
USED EV-HYBRID VEHICLE 6.74% 0 M
OLDER USED EV-HYBRID VEHICLE 8.74% 0 M

Loan Calculator

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Results

Instructions

  • Type in the purchase price, number of payments (months), and annual percentage rate into the corresponding form fields.
  • Click on the button marked Calculate.
  • Your results will appear in the Results box.

Note: This calculator is provided only to give an estimate of your loan. Your monthly payment and total amount paid may vary. Talk to your loan representative for additional details.

What is GAP?

GAP or Guaranteed Asset Protection, is vehicle loan protection for what your insurance company may not cover for a wrecked or damaged vehicle. See below for a deeper dive.

Do I need to be an IRFCU member to apply for a vehicle loan?

You don’t need to be a member to start a vehicle loan application. You will need to qualify for membership to complete the loan process.

How do I refinance a vehicle loan?

Refinancing your car loan is a great way to lower your monthly payments.

To do this, you’ll need specific documentation and information including the vehicles make/model/year, the VIN, a copy of the original financing agreement, your license, a 10 day payoff letter, and income verification.

What to Bring When Applying For a Vehicle Loan (New or Used)

Having all your documents ready before applying for a loan with IRFCU helps make the process smoother and more efficient. It allows our team to begin reviewing your application right away and reduces the need for follow-ups or delays. Being prepared helps us serve you faster and keeps things moving toward your financial goals.

Identification: 

  • Valid government-issued photo ID 
  • Social Security Number 

Proof of Income: 

  • Most recent 2–4 pay stubs 
  • If self-employed: 2 years of tax returns 

Vehicle Information: 

  • Purchase agreement or buyer’s order from dealership or seller 
  • VIN (Vehicle Identification Number), year, make, and model 
  • Mileage of the vehicle 
  • Proof of insurance listing IRFCU as lienholder 
  • Title (for private party sales or refinancing used vehicles) 

Additional Notes: 

  • For used vehicles, IRFCU may require a copy of the title and/or bill of sale 
  • Private party sales may also require a copy of the seller’s ID 

If You’re Applying with a Co-Applicant

Each co-applicant must bring: 

  • Their own valid ID and SSN 
  • Proof of income (same requirements) 
  • Any applicable documentation based on loan type 

Auto Refinance Checklist

For a quicker refinance experience, please have the following documents and information available when applying!

Auto Refinance Checklist

Drive with confidence, knowing you have Mechanical Repair Coverage.

With MRC you can enjoy many valuable benefits among which are:

  • Rental reimbursement: up to $35 per day (5-day maximum, 10-day maximum for parts delay); available
    on the first day of a covered repair
  • 24-hour emergency roadside assistance: up to $100 per occurrence; includes towing, battery
    jumpstart, fluid delivery, flat tire assistance and lock-out service
  • No out-of-pocket expense (except for any deductible): the administrator pays the repair facility directly
    for the covered repair

Protect yourself from unexpected costly repairs – Talk to one of our Loan Officers to find out what Mechanical Repair Coverage plan is right for you.

MRC Digital Brochure

The essential app for
vehicle owners.
The free Pocket Geek®
Auto app makes vehicle maintenance simple and easy. Pocket Geek Auto puts important resources at your fingertips, allowing you to:

  • Access roadside assistance
  • Save your favorite repair shop info
  • Get maintenance & recall notifications
  • Review vehicle records
  • Manage maintenance and repairs for all family vehicles

Pocket Geek Auto is available in the App Store and Google Play Store. Use the button below for more information!

Pocket Geek Auto

Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in NH, where coverage is provided and
administered by Consumer Program Administrators, Inc. dba Consumer Warranty Program Administrators, in TX, where coverage is provided and administered by Consumer Program Administrators, Inc. dba The Administrators of Consumer
Programs (TX License #175), in FL and OK, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), and in WA, where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., all located at
175 West Jackson Blvd., Chicago, Illinois 60604, 1-800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc.


Coverage varies by state. Replacement parts may be new, used, non-OEM or remanufactured. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions, and exclusions of this voluntary product.
Unique ID & Copyright


MRC-3415612.1-0121-0223 CUNA Mutual Group ©2021, All Rights Reserved.

GAP Plus

Essential protection for your vehicle loan—and your finances.

Watch to learn more!


Important Notice: Regulation CC Funds Availability Change Effective July 1, 2025More Information