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Auto, RV & Motorcycle Loans


Auto Loans

It's Back! Our 1% Cash Back Promotion is Here Again!
 

Earn 1% cash back* up to $500 when you purchase or refinance your vehicle loan with ICCU

  • Rates as low as 2.49% APR*
  • No application fees
  • No payments for 60 days**
  • Mechanical repair agreements and GAP policies available

Minimum loan amount is $10,000. Vehicle requirements: 2010 or newer model year. Maximum loan term 72 months. Offer does not apply to refinancing of existing Illinois Community Credit Union loans. Cash back is deposited into the primary share savings account upon successful loan funding. Membership in Illinois Community Credit Union is required. Loan qualification is based on an assessment of credit worthiness and our underwriting standards. Offer applies to direct consumer loans only. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. Call for current rates, terms and conditions.

** 60 day no payments for qualified borrowers only whereas there will be no minimum monthly payments required over the 60-day period. After the initial 60-day period has expired, monthly payment schedule and requirements will begin. Interest still accrues from origination loan date.

Get Pre-Approved

Before you start car shopping, we would be happy to pre-approve you for a loan to help you stay on budget and give you peace of mind to negotiate the best deal!

Apply for an auto loan  View Rates

Illinois Community Credit Union makes getting the car of your dreams easier with our new or used vehicle financing. We offer low rates, flexible terms, and a fast, painless process to help you get the best deal possible.
  • Great low rates
  • Flexible terms up to 84 months
  • Debt protection available
  • Protect Your Vehicle by Closing the GAP

GAP Advantage Coverage


Did you know that if your vehicle is totaled or stolen, there could be a financial gap that your auto insurance will not cover? Most insurance companies will only cover the Cash Value of a vehicle and the remaining balance could be your responsibility. Illinois Community Credit Union gives you the service, support, and solutions to avoid that risk with Guaranteed Asset Protection (GAP).

GAP covers the difference between what you owe on your car and what your insurance company is willing to pay out. It costs pennies a day over the life of your loan but can save you thousands.

Protect Your Family Budget with Debt Protection

When an unexpected illness, injury or loss of life happens, the last thing you want to think about is your loan payment. That is where Debt Protection comes in. This affordable coverage pays your loan payment during a qualifying event.

Mechanical Repair Coverage (MRC)

Protect your investment from costly repairs with a Mechanical Repair Coverage (MRC) plan. As an Illinois Community Credit Union member, you can take advantage of the same MRC the dealer offers, but at a fraction of the cost.

Key MRC Benefits include:

  • The freedom to choose your own mechanic. MRC is accepted at all licensed repair facilities in the US and Canada
  • Get reimbursed for travel expenses and car rentals
  • 24 hour emergency roadside assistance, including towing
  • Extensive coverage. Get up to ten years or 125,000 miles of add-on protection for eligible vehicles
  • Transfer the plan to a private party if you sell your vehicle
  • Choose from three levels of coverage
  • Affordable coverage that can be included in your auto loan payments

AutoSMART

Searching for a new/used vehicle? Shop and save with AutoSMART. We'll help you find the perfect vehicle at a dealer near you!

SHOP for a vehicle

 

Recreational Loans

Purchase or refinance a recreational vehicle with additional coverage options for an affordable monthly payment with ICCU recreational vehicle loans. We offer low rates, flexible terms, and a fast, painless process to help you get the best deal possible. Additionally, you’ll build your credit history with on-time payments.

  • Can combine GAP*, MRC, and Debt protection into the monthly payment
  • We can do tax, title, and licensing for Secretary of State
  • Pre-approvals available

*GAP available up to 84 month term

Apply Now  View Rates

Motorcycle Loans

Purchase or refinance a motorcycle with additional coverage options for an affordable monthly payment with ICCU motorcycle loans. You’ll have a wide range of terms with competitive interest rates.

  • Terms up to 72 months
  • Low Interest Rates
  • Can combine GAP, MRC, and Debt protection into the monthly payment
  • We can do tax, title, and licensing for the Secretary of State
  • Refinance your current motorcycle loan from another lender and save
  • Pre-approvals available

Apply Now  View Rates


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