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Auto Loans

Insight Credit Union offers financing for new and used autos with a variety of terms available. Qualified members can finance up to 100% of the MSRP for new cars and trucks, and 100% of the NADA retail price for used vehicles.

Credit life and disability insurance as well as extended warranties are available at reasonable prices, which can be added to your loan payments for your convenience.
Loan Type Term Daily Periodic Rate Annual Percentage Rate
New Autos*  Up to 72 Months: Extended terms available**  0.004082% - 0.044520%  1.49%^ - 16.25%  
Used Autos*  Up to 72 Months: Extended terms available**  0.004904% - 0.046548%  1.79%^ - 16.99%  
Experienced/Classic Autos** Up to 36 Months  0.024630% - 0.046548%  8.99% - 16.99%
New Auto First Time Buyer Up to 60 Months 0.038329%  13.99%
Used Auto First Time Buyer  Up to 60 Months 0.038329%   13.99% 

^1.49% APR on new vehicles and 1.79% APR on used vehicles is available for members with a credit score of 720 or above who finance the vehicle or refinance their existing auto loan from another financial institution with Insight Credit Union. Insight Credit Union considers a vehicle new if the vehicle is the current model year or has less than 10,000 miles. For a $30,000 loan with 1.49% APR, will be 36 monthly payments of $28.42 per $1,000 borrowed. For a $20,000 at 1.79% APR, will 36 monthly payments of $28.55 per $1,000 borrowed. Maximum term of 36 months. No other discounts may apply. Loan application subject to a $30 Application Fee. Approved refinance auto loans subject to a $74.75 Lien Recording Fee. Loan subject to normal underwriting guidelines. Interest accrues from the date of contract. Your actual rate will be customized based on your credit score. Existing Insight Credit Union auto loans are not eligible for refinance. Other restrictions may apply. Offer valid July 6, 2017 through September 30, 2017. Offer could be withdrawn at any time.

 *Your actual rate will be customized based on your credit characteristics. The lowest rates shown are for members with excellent credit. These loan rates, effective July 6, 2017 are an addendum to your LoanLiner agreement. The payment amount and due date of payments will be determined at the time of each advance and disclosed on the Funds Request Voucher. Indexed rates are based on the percentage above the dividend rate paid on certificate or share accounts.

**Extended terms available. Some restrictions may apply. Rates subject to change without notice.