Loans

Loans

Do you need “stuff”? We’ve got money, and our loan rates are among the lowest you’ll find.

From signature loans to that loan for your dream house or new car, IH Credit Union will make it easy for you to get the “stuff” you need when you need it!

It’s easy to get started!

There are lots of ways to apply for a loan at IH Credit Union:

Credit Problems?

We’re happy to help. Click here to learn about our new “Credit Forgiveness” program.

Depreciation Protection

Depreciation Protection kicks in if your vehicle is ever totaled or stolen and not recovered at anytime over the life of your loan. You can now purchase Depreciation Protection at IH Credit Union or when financing a loan with IH Credit Union at a participating dealership. Click here for details!

Loan Payment Calculator

Run the numbers and find out how your payments will fit your budget with our handy Financial Calculators.

Car Loans

New, used, or even refinancing from another lender, we’ve got you covered with super-low car loan rates. That means lower payments and big savings!

Signature Loans

Are you consolidating bills? Or maybe you need to finance something that falls just a little outside the usual, like a computer, a wedding, or some unexpected repairs. A Signature Loan (some people call it a Personal Loan) is the smart way to handle those “other” expenses.

Mortgage Loans

Our mortgage process has recently changed. Please contact our mortgage specialists for current rates and information.

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Michelle ext. 134

Student Loans

Now there’s a better way to pay for college! Our student loans are a great way to fill the funding gaps that Federal aid can leave behind. Learn More >

Loan Rates

(Last Modified: January 8,2018)
Type of LoanAnnual Percentage Rate (APR)* Maximum Term**
New & Used Vehicles
(Models 2015 & Newer)
as low as 3.79%
as low as 4.59%
as low as 5.39%
63 mo.
75 mo.
84 mo.

Used Vehicles
Models 2014 & Older

Model Years 2012-2014

as low as 4.79%
as low as 5.29%
as low as 6.29%
63 mo.
75 mo.
84 mo.
Unsecured Loans
as low as 8.95%
36 months
Share Secured Loans 3.00% 36 months
Share Certificate Secured Loans Certificate rate
plus 2.00% APR
Certificate
term

*Rates subject to change. The actual rate and payment amount will reflect a member's individual circumstance and credit score and may be higher than the rates above.
**Other conditions may apply.

Loan Payment Examples

(Last Modified: January 8, 2018)
Type of Loan Example Annual Percentage Rate (APR)* Monthly Payment
New/Used Vehicle Loan
Models 2015 & Newer
$30,000 for 63 months
$30,000 for 75 months
$30,000 for 84 months
3.79%
4.59%
5.39%
$525.82
$460.81
$429.48
Used Vehicle
Models 2014 & Older
$20,000 for 63 months
$20,000 for 75 months
4.79%
5.29%
$359.63
$313.71
Unsecured Loan:
$2,000 for 36 months
$3,000 for 36 months
8.95%
8.95%
$63.56
$95.33
Share Secured Loan:
$1,000 for 36 months
3.00% $29.08

*Rates subject to change. The actual rate and payment amount will reflect a member's individual circumstance and credit score and may be higher than the rates above.
**Other conditions may apply.