Auto Loans

Michigan Auto Loans

Ready to get behind the wheel of your dream car? T&I Credit Union offers modern Auto Loans in Michigan designed for you. Whether you're purchasing a new or used vehicle, our credit union Auto Loan options provide the financial flexibility and competitive auto loan rates you need to hit the road with confidence.

New Auto Loans (2018-2025)

Save up to $100 a month on your auto loan

Don’t pay more for your auto loan than you need to! Save up to $100 a month on your auto loan payment when you bring your auto loan to T&I Credit Union.

All Loans are subject to credit review and approval. Rates and offers are subject to change without notice. Actual savings may vary based on credit score.  Promotion based on comparisons to National Averages. Existing T&I loans excluded. See T&I Credit Union for more information.

Why Choose T&I Credit Union for Your Auto Loan in Michigan?

1. Competitive Rates: Enjoy our competitive interest rates, saving you money and making your credit union Auto Loan more affordable.

2. Flexible Terms: Customize your repayment terms to fit your budget and financial goals, ensuring a comfortable payment plan.

3. Simple Application: Our streamlined process makes it quick and easy to apply for a Michigan Auto Loan, saving you time and hassle.

4. Pre-Approval Options: Get pre-approved for a Michigan Auto Loan, giving you the confidence and negotiating power of a cash buyer.

Benefits of a Michigan Auto Loan with T&I Credit Union:

1. New and Used Vehicles: Finance both brand-new cars and reliable used vehicles, making your dream car within reach.

2. Flexible Financing: We offer options for cars, trucks, SUVs, and motorcycles, providing flexibility to choose the vehicle that suits your needs.

3. Affordable Payments: Our competitive rates and flexible terms result in affordable monthly payments that fit comfortably into your budget.

4. Easy Repayment: Manage your loan conveniently through our online banking platform, making it simple to stay on top of payments.

5. Auto Refinancing Options: Consider refinancing your existing Auto Loan with us to potentially lower your interest rate and save money.

Getting Started With Your Michigan Auto Loan:

1. Evaluate Your Budget: Determine your budget and the monthly payment you can comfortably afford.

2. Choose Your Vehicle: Research and select the vehicle that fits your needs and budget.

3. Apply for Your Auto Loan: Complete our simple online application or visit one of our branches. Provide necessary documentation.

4. Loan Approval and Vehicle Purchase: Once approved, finalize the purchase of your vehicle.

Get behind the wheel with a Michigan Auto Loan from T&I Credit Union. Contact us today to learn more about our Michigan Auto Loan rates. With our competitive rates, flexible terms, and personalized services, T&I Credit Union is the best credit union for your Michigan Auto Loans. We're here to help you hit the road in your dream car.

Refinance Your Auto Loan

Did you know that you have the power to save money on your existing credit union Auto Loan? At T&I Credit Union, we offer the opportunity to refinance your current Auto Loan in Michigan and secure a better interest rate. It's a simple and smart way to lower your monthly payments and potentially save hundreds or even thousands of dollars over the life of your Auto Loan.

WHY REFINANCE YOUR MICHIGAN AUTO LOAN WITH T&I CREDIT UNION?

• Lower Interest Rates: By refinancing your Auto Loan, you can take advantage of our competitive rates, potentially reducing the amount of interest you pay over time.

• Save Money: With a lower interest rate, your monthly payments may decrease, putting more money back in your pocket each month.

• Simplified Process: Our auto refinancing process is hassle-free, making it easy for Gen Z to take control of their finances and secure better loan terms.

How to Get Started: Refinancing Made Easy

1. Gather Your Loan Information: Collect your current credit union Auto Loan details, including the current interest rate, remaining balance, and loan term.

2. Contact T&I Credit Union: Reach out to our friendly team to discuss your auto refinancing options. We'll guide you through the process and help you determine if refinancing is the right choice for you.

3. Apply for Auto Refinancing: Complete our simple application process to start the auto refinancing journey. We'll review your application promptly and provide you with a decision.

4. Enjoy the Benefits: Once approved, you can enjoy the benefits of your new and improved credit union Auto Loan, including potential savings on interest and lower monthly payments.

Calculate Your Cost

Use our convenient financial calculator below to estimate your monthly payments and determine the affordability of your new, used, or refinanced auto:

Click the "Apply" button below to start your Auto Loan application. Our streamlined process makes it easy for you to get the financing you need to get into the car of your dreams, at the best price possible.

Master the Art of Car Financing

Before diving into the world of car shopping, start by shopping for the right Michigan Auto Loan. Understand the crucial factors that determine your borrowing costs: the Annual Percentage Rate (APR), loan term, and principal amount. Discover how a lower APR can save you money, and learn the pros and cons of different loan terms. Balloon loans might seem attractive but can be risky, so proceed with caution. The principle is simple: the more you borrow, the more it will cost. Find out how making a larger down payment can reduce your interest costs. Explore the hidden cost of auto insurance when planning your car purchase. Click the button below to read more and make informed decisions on car financing.

* Disclaimer: All Loans are subject to credit review and approval. Rates and offers are subject to change without notice. Actual rates may vary based on credit score. 
Existing T&I loans excluded. See T&I Credit Union for more information. T&I Credit Union is an Equal Opportunity Lender. Effective 04/30/2025.