Auto Loan in Birmingham


Dropping Car Keys

A low-interest auto loan can make a huge difference in the quality of the new or used car you and your family can afford. Depending on your credit history and score, your loan options may include some unfavorable interest rates and terms. Buyers with bad or no credit may struggle to find a loan through a traditional bank.

Due to their unique non-profit structure, credit unions are a resource for people with excellent and poor credit. Credit Unions put their members first, so members can unlock low loan rates and great customer service.

How Auto Loans Work

An auto loan from a credit union works the same as a loan from a bank. The credit Union will pay the dealership for the cost of the car, and then allow you to pay them back over time. A credit union will charge some interest, but the rate is often lower than banks.

You can pay back the loan in monthly installments over a period of 36-84 months, depending on the term and conditions you agree to at the time of signing. The monthly installment will vary depending on how much of a down payment you made.

Getting Approval

You can get pre-approved for an auto loan if you're a member of a credit union. The per-approval process requires some basic information like the cost of the car you have your eye on, your income and employment information, and the length of the term you want.

Approval generally takes a few minutes, since most of the process is automatic. If you have any questions about your approval or want to try asking for a larger loan or a longer term, you can resubmit your pre-approval information anytime.

If you're not sure if you'll be approved or want to discuss your options, you can meet with a credit union loan officer to get advice. Loan officers are experts in loan and credit issues, so they'll happily answer your questions and help you make the best decisions.

Staying on the Move

T&I Credit Union serves seven counties in the Detroit Metro area. Our office is conveniently located in Clawson, and we partner with a network of credit unions to provide services at their branches as well.

We can set you up with an auto loan that allows your family to get the car you need to stay safe and active, as well as provide other services like checking and savings accounts. Contact us today at 1 (800) 338-3908 to learn more about your options.


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