Vehicle Loans

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  • Financing up to 115% *(115-125% Require Gap Insurance)
  • New and used vehicles.
  • Up to 84 month terms.

With gas prices at a record high, there’s never been a better time to invest in a hybrid, or electric vehicle. Better for your wallet, and better for the environment! PLUS, here at IRFCU you can earn some green for going green! Up to $400.00!*

For example, if you only owe $5,000 on your car loan, but your vehicle is worth $10,000, you have $5,000 worth of equity. If you qualify for a cash-out refinance loan, you might get a new loan for the car’s value of $10,000. You could then pay off the original loan and receive $5,000 cash, usually in the form of a check.**

Loan rate will be determined by your personal credit history. Cash back amount based on loan value and will be deposited to your share savings 60 days after loan closure.Minimum loan amount $10,000. New money only. All accounts of obligor(s) must be in good standing to receive cash back incentive. We reserve the right to retain incentive cash back payments if loan is paid off, is refinanced with another institution or is otherwise closed within two years of loan closing.This offer is subject to change without notice. Limited time offer. Vehicle and other loan restrictions may apply. 2.24% rate floor. Applicants subject to credit approval and must meet member eligibility requirements.

*Loan rates based on borrower’s credit history and vehicle condition. Minimum APR 2.24%. Minimum loan amount $10,000. New money only.  Cashback amounts based on loan value and are deposited to your IRfcu share saving account 60 days after closing. All obligor(s)’ accounts must be in good standing to receive a cashback incentive.  We reserve the right to retain incentive cash back payments if loan is paid off, refinanced with another institution or otherwise closed within two years of loan closing. Only Hybrid, Hybrid Plug-In and Electric Vehicles apply.  Other vehicle and loan restrictions may apply.  Limited time offer.  Terms and conditions subject to change without notice. Applicants subject to credit approval and must meet member eligibility requirements.  Contact us for details.  Equal Opportunity Lender.


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.


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!


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!


IRFCU is accepting Board applications and nominees until December 18, 2022. Click to Apply