Go ahead! Kick the tires.
There is nothing stopping you from buying the vehicle of your dreams!
Independent Federal Credit Union partners with local dealerships to offer you a wide variety of makes and models. New or used, Independent will help you get in the driver’s seat fast. By partnering with quality dealers, and financing with Independent; you can shop for your next car, truck, or van with confidence.
Once you find the vehicle of your choice, simply tell your dealer “I want to finance with Independent Federal Credit Union!” We will work directly with your dealer to help you obtain the best rate available* and get you driving off in your new vehicle in no time. Everything will be taken care of through the dealership, making it as easy as possible for you to buy the vehicle of your dreams.
Rates are based on Credit Worthiness and are subject to change.
Independent Financing
Know before you go! Talk to our loan experts about Independent Financing. By working with our Loan Department, you can be prepared and confident when shopping for your next vehicle. If you have already found the car, truck, van, RV, motorcycle or boat of your dreams...then applying is easy.
It’s simple. Choose to apply by visiting us in-branch, applying online or simply asking your dealer for Independent Financing. Independent Financing is your key to Independent ownership.
Apply Now!
So, you have done your homework, kicked the tires, run the numbers, and have made the decision to buy. Get started online! Use our simple online application to apply now.
Contact Us
Have a question about a vehicle Loan? Contact our experts in the loan department. Call us today at 765-649-9271, shoot us an email at independent@independentfcu.org.
Auto Loan Rates
| Product Type | Term | APR as low as |
|---|---|---|
| New 2023 – 2024 | 60 Months | 6.49% |
| New 2023 – 2024 | 66 Months | 6.74% |
| New 2023 – 2024 | 72 Months | 6.99% |
| New 2023 – 2024 | 75 Months | 7.24% |
| Used 2020 – 2022 | Up to 60 Months | 6.49% |
| Used 2020 – 2022 | Up to 66 Months | 6.74% |
| Used 2020 – 2022 | Up to 72 Months | 6.99% |
| Used 2019 | Up to 60 Months | 7.49% |
| Used 2019 | Up to 66 Months | 7.74% |
| Used 2019 | Up to 72 Months | 7.99% |
| Used 2018 | Up to 60 Months | 8.24% |
| Used 2018 | Up to 66 Months | 8.49% |
| Used 2018 | Up to 72 Months | 8.74% |
| Used 2017 | Up to 48 Months | 8.99% |
| Used 2017 | Up to 60 Months | 9.24% |
| Used 2016 | Up to 48 Months | 9.49% |
| Used 2016 | Up to 60 Months | 9.74% |
| Used 2015 | Up to 36 Months | 10.49% |
| Used 2015 | Up to 48 Months | 10.74% |
| Used 2014 | Up to 36 Months | 11.49% |
| Used 2014 | Up to 42 Months | 11.74% |
| Used 2013 | Up to 36 Months | 12.49% |
| Used 2012 | Up to 36 Months | 13.49% |
| Classic Vehicle 20+ Years | 60 Months | 9.74% |
Loans may qualify for additional discounts based on use of additional services. All Certificate of Deposit Rates are quoted at the highest possible rate with $10,000+ deposit and term. Auto Loan Rates are based on vehicle, and applicants credit worthiness. Mortgage rates vary daily. All rates subject to change. First time mortgage applicants are encouraged to apply here. Follow this link to learn more about Home Equity Line of Credit Loans. Rates effective as of December 1, 2024.
Auto Loan Resources
Car Buying Tips
Knowledge is Power and Independent Federal Credit Union wants you to 'Know Before You go' to buy a new or used vehicle. Downloading our Car Buying Tips Guide.
Download Guide
NADA Car Guides
New and used car prices, specs, pictures, reviews and more. National Appraisal Guides, Inc. is the largest publisher of vehicle pricing, information and tools for new and used cars, classic cars, motorcycles/powersports, boats, recreation vehicles (RVs) and manufactured homes.
NADA Guides
Auto Repos for Sale
Check back regularly to inquire or bid on repossessed vehicles held by Independent Financial Credit Union
Current Vehicles
CARFAX
Start your search with CARFAX Used Car Listings. Find a used car or get a CARFAX report. Already Own a Car? Get reminders when your car is due for service and check your car for safety recalls.
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