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iTHINK Financial Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 04 October 2023
Fact checked

iTHINK Financial Credit Union auto loans overview

iTHINK Financial Credit Union logo

iTHINK Financial Credit Union provides affordable and accessible vehicle financing choices. Interest rates range from 5.99% to 18% APR, and qualified members can secure repayment terms as long as 84 months. iTHINK offers a variety of loans for different vehicles, like cars, SUVs, trucks, motorcycles, boats, and more.

Want to see what an iTHINK auto loan will cost? Try the iTHINK Financial Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key iTHINK Financial Credit Union features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Undisclosed.
  • Interest rates: 5.99% to 18% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: No application fees.
  • Discounts: Vehicle maintenance discounts through myEZ Car Care.

ITHINK FINANCIAL CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

Whether you plan to buy or refinance your auto loan, iTHINK Financial offers competitive new and pre-owned vehicle financing. For as low as 5.99% APR, you can secure used and new cars, SUVs, and trucks. Plus, iTHINK has a variety of payment terms of up to 84 months to help you budget your loan easier.

Motorcycle, golf cart, boat, and RV loans

If you’re looking to finance a boat, recreational vehicle, motorcycle, or even a golf cart, you can apply at iTHINK Financial, too. Rates range from 6.49% to 18% APR. And depending on your vehicle type, you can stretch your term up to 120 months.

iTHINK Financial Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

Change
IBM Southeast Employees' Federal Credit Union

IBM Southeast Employees' Federal Credit Union auto loan

IBM Southeast Employees' Federal Credit Union auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate IBM Southeast Employees' Federal Credit Union auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

HOW TO APPLY FOR AN ITHINK FINANCIAL AUTO LOAN

Eligibility criteria

iTHINK doesn’t list the exact criteria for auto financing, but you commonly should be:

  • A member of iTHINK Financial
  • At least 18 years old
  • Employed or have a stable source of income

It helps to improve your credit score, too. This will help you qualify for iTHINK’s lowest APRs and longest repayment periods. In addition, this can lift your chances of securing credit approval.

How to join iTHINK Financial Credit Union

Anyone who meets one of the following criteria can qualify for iTHINK membership:

  • An immediate family or household member of an existing member
  • Employed or retired from a Member Company
  • Live in an approved county
  • Worship or attend school in an approved county

What you’ll need to have ready

Personal details

When you apply for auto financing with iTHINK Financial Credit Union, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

Documents

You may need to provide iTHINK with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

Note that vehicle financing is a secured loan. Because of this, iTHINK Financial will require you to put iTHINK as the first lien holder on your collateral. This means that the credit union can repossess your vehicle if you default on your loan.

Ways to apply for an iTHINK Financial Credit Union auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 800-873-5100

Additional iTHINK Financial auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed, but your application may take a day to a few weeks based on your situation.
  • Rate discounts: Undisclosed.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Ways to repay: Online banking, mobile app, automatic transfers, in a branch, and by mail.
  • Hardship program: Skip-a-payment available. (Learn more)

Vehicle restrictions and limitations

  • Maximum vehicle age: Undisclosed.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Competitive auto loan interest rates.
  • Longer payment terms.
  • Convenient online application.
  • Pre-approval available.
  • No application fees.
  • Haggle-free and hassle-free auto-buying service.
  • Joint applications available.
  • Multiple payment options: online banking, mobile app, automatic transfers, in a branch, and by mail.
  • A variety of vehicles – new and used cars, SUVs, trucks, motorcycles, boats, camping trailers, motorhomes, and golf carts.
  • Cheaper mechanical breakdown protection, GAP, and payment protection available.

Cons

  • Limited to members.
  • Undisclosed late payment fees and prepayment penalties.
  • Undisclosed minimum and maximum loans.
  • Unspecified vehicle restrictions.

FREQUENTLY ASKED QUESTIONS

Does iTHINK Financial Credit Union refinance auto loans?

You can refinance your vehicle loan to lower your monthly payments or adjust your loan terms.

How to apply for an auto loan at iTHINK Financial?

You can easily apply online, call 800-873-5100, email [email protected], or visit a nearby branch.

What information do I need to provide when applying for an iTHINK vehicle finance?

When you apply, iTHINK will need your personal and contact information. The credit union will also ask for details about your address, income, and employment. Plus, you may need to prepare information on your vehicle as well, like the make, model, year, and vehicle identification number (VIN).

How long does it take to apply for iTHINK Financial car loan?

You can easily apply online within minutes.

How many pay slips does iTHINK Financial Credit Union require during my car loan application?

iTHINK doesn’t indicate the specific requirements when applying. Nonetheless, you usually need your 2 most recent pay stubs when you apply for vehicle financing.

How long will it take to receive a vehicle title when I pay off my auto loan?

You can receive the vehicle title within 5 days of the payoff if you’re from Georgia. It can take 7 to 10 business days if you’re from Florida.

Can I qualify for an auto loan if I have bad credit?

Yes. You can still qualify even if you have a poor credit score. Remember though that your rates may be higher.

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Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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