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Auto Loans from Interra Credit Union

Take advantage of flexible terms and rates to meet your purchase or refinance needs, because your car means a lot to you and you mean a lot to Interra.

Apply for a loan today. Save time by logging into your online banking to pre-fill your application form. Click on apply for a loan to get started. 

No online banking or not a member yet? Click on the apply now button and complete an application.

New or Used Cars
  • Rates as low as 6.99% APR1
  • 100% financing available to qualified borrowers
  • Easy online application or apply at any participating dealership
  • Pre-approvals available to guide your shopping

Can I refinance a car loan from another financial institution?

Perhaps. Some individuals could be paying a higher rate for their car loan than what Interra is able to provide. Based on creditworthiness, contact us today for assistance with evaluating a car loan refinance.

Debt Protection Program

Debt protection may cancel your loan balance (up to the contract limits) or monthly loan payment without penalty or added interest due to an unexpected event.

Depreciation Protection Program

Depreciation protection waiver (DPW) provides protection on your vehicle equity and hedges against depreciation over the life of the loan.

Guaranteed Asset Protection Program

Guaranteed asset protection (GAP) is a voluntary, non-insurance product designed to waive the remaining loan balance not covered by the borrower’s primary insurance carrier settlement in the event of a total loss or unrecovered theft, subject to limitations and exclusions, including but not limited to loan to value (135% LTV) maximum, delinquent payments, late charges, refundable service warranty contracts, and other insurance-related charges. *Not available in NY or AK.

    Mechanical Breakdown Protection Program

    Mechanical breakdown protection (MBP) provides protection against the increasingly high cost of repairs and associated labor costs for mechanical and electrical vehicle failures

    Vehicle Protection Program

    Vehicle protection plan (VPP) is a bundled coverage package that protects consumers from normal driving incidents and out-of-pocket expenses. The benefits include tire & wheel road hazard protection, key and remote replacement, paintless dent repair and windshield repair. 24-hour emergency roadside assistance is included also.


    Auto & Recreational Vehicle Advantage Program

    Auto & RV Deductible Reimbursement

    • Pays up to five hundred dollars ($500) per loss (unlimited losses per year) when a loss is filed and paid by the auto or RV insurance company for a covered auto or RV you own or lease evidenced by the title, registration, or loan document, and insured under an auto or RV insurance policy designating you as the named insured. 
    • Eligibility for this service is possible with enrollment of either Guaranteed Asset Protection (GAP) or Depreciation Protection Waiver (DPW).

    How To File A Claim

    Auto Insurance

    Interra has partnered with CUNA Mutual Group to make TruStage® Insurance products available to our members. With discounts for credit union membership, the TruStage Auto Insurance Program could save you money. Working with big-name companies we've carefully selected, you can expect top-notch service and solid value. It's easy to get a quote and make the switch – even if you're already covered with another company, you won't lose a penny. Isn't it time for car insurance the credit union way?

    What credit score do auto loans use?

    There are many different credit scores available to consumers and lenders. FICO® Scores are the credit scores used by most lenders, and different lenders may use different versions of FICO® Scores. In addition, FICO® Scores are based on credit file data from a particular consumer reporting agency, so differences in your credit files may create differences in your FICO® Scores. The FICO® Score 8 based on TransUnion is the specific score that we use to manage your account. When reviewing a score, take note of the score date, consumer reporting agency credit file source, score type, and rage fro that particular score.

    Which credit union is best for car loans?

    Interra Credit Union makes getting a car loan quick and easy and offers competitive interest rates and flexible terms.

    Which bank is best for car loans?

    As part of the credit union cooperative, we are committed to providing competitive interest rates and flexible terms.

    Can I get an auto loan with a 650-credit score?

    Interra Credit Union offers auto loans to a variety of credit scores. Terms and rates will vary.

    Calculate a Vehicle Payment

    1Annual Percentage Rate.