Vehicle Loans

COVID-19 Relief

If you have been financially affected due to COVID-19, please click the link below on how we can help.

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New Car Loans

Don’t let high interest rates keep you from getting that new car you want or need. Call or stop into T&I Credit Union to apply for some of the best rates around and in return we’ll help you get on the road in that great new ride. Whether you're driving around Royal Oak, Birmingham, Troy, or the Southeast part of Michigan, we are prepared to prepared to give you the payment on your car that you deserve.

TermRates (APR as low as)
2018-2020
Up to 60 Months 1.99%
Up to 72 Months 2.99%
Up to 84 Months 3.75%

Used Car Loans

Just because you're getting a car with some years on it doesn't mean your rate should be sky high. Call or stop into T&I Credit Union to apply for some of the best rates around and in return we’ll help you get on the road in the car you want!

TermRate (APR as low as)
2017 & Older
Up to 60 Months

3.99%

Click to Apply

*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. Rates are for all secured vehicles, new/used/free and clear/other institutions. Existing T&I loans excluded. Effective 06/09/2020 to 09/30/2020.

Summer Auto Promotion

With rates as low as 1.99%, there is no better time than now to finance or refinance your vehicle with T&I Credit Union!

  • Receive a $50.00 Gas Card when you finance or refinance your auto loan at T&I Credit Union this Summer!
  • Earn one entry into a drawing for our Yeti cooler giveaway when you finance or refinance your vehicle with T&I Credit Union!

Terms & rates subject to change without notice. Rate may vary based on Credit Score. All entries for our Yeti cooler giveaway must be submitted no later than July 31, 2020. Winner for this prize will be selected on Monday, August 3. Must be a T&I Credit Union Member to be entered to win. Some exclusions may apply. Existing loans with T&I Credit Union are not eligible for this program or giveaway. See T&I Credit Union for more information.

GAP Insurance

We now offer GAP Insurance to better protect you when purchasing a credit union auto loans. Whether you want to take advantage of our $500 Auto Deductible Reimbursement or protect yourself against taking a loss on a totaled car, we have you covered.

GAP Insurance will cover:

  • Cars
  • Motorcycles
  • Watercrafts
  • RVs
  • And more!

Click here for more information

*Some restrictions may apply. Effective 11/01/2018.

Motorcycle Loans

Purchase

Term

Rate (APR)

Requirement

Motorcycle Loan Rates

New (2017 or newer)

60 Months

4.99%

10% Down payment of actual cost.

Used/Refinance

48 Months

4.99%

NADA value.

 *All Loans are subject to credit review and approval. Terms between 49-60 months vary please contact T&I Credit Union for further information. Rates and offers are subject to change without notice. Actual rates may vary based on credit score. Rates are for secured motorcycle titled, new/used/free and clear/other institutions. Existing T&I loans excluded. Effective 06/09/2020 to 09/30/2020.

RV/Camper Loans

With over 1,000 campgrounds and more than 100 state park/recreation areas in Michigan alone, an RV/Camper is a great way to hit the road with family and/or friends for a trip! Let us help you get you going on life’s next great adventure by financing your RV and/or Camper through T&I Credit Union.

Purchase

Term

Rate (APR)

Requirement

RV/Camper Loan Rates

New (2017 or Newer)

60 Months

4.75%

10% Down payment of actual cost.

New (2017 or Newer)

Over 60 Months

4.99%

15% Down payment of actual cost.

Used/Refinance

60 Months

4.75%

20% Down payment of NADA value.

Used/Refinance

Over 60 Months

4.99%

20% Down payment of NADA value.

Click to Apply

Loans are subject to credit review and approval. Terms over 60 months vary please contact T&I Credit Union for further information. Rates and offers are subject to change without notice. Actual rates may vary based on credit score. Rates are for secured titled, new/used/free and clear/other institutions. Existing T&I loans excluded. Effective 06/09/2020 to 09/30/2020.

 

Watercraft Loans

Looking to take advantage of the beautiful summer by spending more time out on the lake? T&I Credit Union is ready to help make your dreams a reality.

Purchase

Term

Rate (APR)

Requirement

Watercraft Loan Rates

New (2017 or Newer)

60 Months

4.75%

10% Down payment of actual cost.

New (2017 or Newer)

Over 60 Months

4.99%

15% Down payment of actual cost.

Used/Refinance

60 Months

4.75%

20% Down payment of NADA value.

Used/Refinance

Over 60 Months

4.99%

20% Down payment of NADA value.

Types of boats we finance:

  • Pontoon
  • Deck, Ski, Bow Rider, etc.
  • Fishing

For information and rates for a Jet Ski, please contact our office.

*Exclusions apply

*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. Rates are for all secured vehicles, new/used/free and clear/other institutions. Existing T&I loans excluded. Effective 06/09/2020 to 09/30/2020.

 

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