Vehicle Loans
Ready for your next adventure? At Interior Federal, we offer vehicle loans for cars, trucks, RVs, and even boats! Whether you’re looking to apply for a new auto loan or searching for a used car loan, we make the process simple and convenient.
Auto & Motorcycle Loans
Get in the fast lane to the car, truck, or motorcycle of your dreams with our fast decisioning and low rates! You can apply for a vehicle loan online, available 24 hours a day.
- Up to 100% financing plus tax and tags, extended warranties, GAP insurance, and payment protection insurance
- Variety of terms for new and used vehicles
- Simple interest financing with no prepayment penalties
- Quick application for car loan and decisioning
Manage your account through our mobile app: download on the Apple App Store or get it on Google Play.
Loan Types & Rates
New Vehicles
- as low as
- 5.25% APR
- Up to 36 months
- as low as
- 5.25% APR
- 37-60 months
- as low as
- 5.89% APR
- 61-72 months
- as low as
- 6.54% APR
- 73-84 months
New automobiles are defined as those that have not been titled, or those that have been titled within the last 6 months and have less than 7,000 miles. As of October 1, 2024, the monthly payment for a $20,000 loan at 6.00% APR for 36 months will be $608.40 per month.
Used Vehicles
- as low as
- 5.19% APR
- Up to 36 months
- as low as
- 5.25% APR
- 37-60 months
- as low as
- 6.39% APR
- 61-72 months
- as low as
- 7.04% APR
- 73-84 months
Car Buying Tool
Search for your next vehicle, score the best deal, and have it delivered to your door with TrueCar®. Use our car buying tool to learn more about how to maximize your savings.
RV loans
From adrenaline rushes to being in no rush at all, we help you enjoy your time off even more with affordable loans for outdoor toys.
ATV
Boat
Camper
Jet ski
Motorhome
RV
Snowmobile
Travel trailer
Refinance Your Current Loan
Do you feel that your auto loan payments are too much? Refinancing may be a good idea to lower your payments, in order to save money. We finance up to the NADA RETAIL VALUE (used cars).
To expedite your request to refinance your vehicle, please provide:
- 14-day written payoff, in writing, from your finance company, which includes the daily interest and the payoff address
- Copy of title OR vehicle registration (ownership)
- Current mileage (odometer reading)
Vehicle Equity Loan
You may be able to lower your monthly payments and get rid of high-interest debt with a Vehicle Equity Loan from Interior Federal. With a Vehicle Equity Loan, you can use the value of your car to eliminate high-interest debt like credit cards, student loans, or other bills. It’s a simple refinance that puts you in the driver’s seat!
Unsure of the value of your car or details about debts you’d like to pay off? We can help with that. Simply click the Apply button to get started, select Refinance, and choose the vehicle type you would like to use for your Vehicle Equity Loan.
Benefits of an Interior Federal Vehicle Equity Loan
- Low rates, especially compared to industry personal loans or credit card rates
- Various terms available
- No prepayment penalty
- Easy application and fast decisioning
Vehicle Coverage
With your membership, you receive amazing discounts on TruStage™ products. Protect you, your family, and your car! We offer:
Debt Protection with Life Plus
(on more than auto loans!)
Insurance Discounts
You work hard for your money and even harder to keep your budget on track. So why spend too much on auto insurance—maybe hundreds of dollars too much? Interior Federal members may qualify for discounts on auto insurance through the TruStage™ Auto & Home Insurance Program. You could save big, and it could be simple to switch carriers—without losing any money.
TruStage offers a powerful mix of savings and popular, member-friendly benefits:
- Savings for credit union members
- Access to nationally recognized companies
- Friendly service with extended hours
It’s simple to get a free quote today. Don’t wait to see how much you could save.
TruStage® Auto & Home Insurance Program is made available through TruStage Insurance Agency and issued by leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union. Products and features may not be available in all states. Be sure to understand the complete details of coverage, including any exclusions and limitations. If your credit union enables this insurance program to be offered, it is entitled to compensation from TruStage Insurance Agency, LLC, PO Box 61, Waverly IA 50677-0061. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. Please consult your policy for specific coverages and limitations. *Discounts and savings are available where state laws and regulations allow and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. © TruStage Insurance Agency 2018
AUT-1661466.3
^TruStage® Auto Insurance Program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by Interior Federal. NOT NCUA INSURED.
Open an Account in 3 Steps
Please review the list of required documents before you get started.
Are You a Member?
Please use your Digital Banking credentials to login, then visit the Apply Online tab to begin your pre-filled application.
Not a Member Yet?
It’s easy to become a member and begin to take advantage of our wonderful products and services and other member benefits.
If you have an active account with Interior Federal but are unable to login to Digital Banking, click here.
APR=Annual Percentage Rate. Loan rates are based on creditworthiness and an evaluation of credit history, so your rate may differ. Not all borrowers will qualify for this rate. For additional rates and terms click here.
Loan subject to approval. Not all applicants will qualify. Not all borrowers will qualify for the lowest rate. Actual rate will vary depending on the applicant’s creditworthiness.