Car Loans in Birmingham



If you are interested in purchasing a new or used automobile, there’s no need to put it off until you have the money saved. Forty-four percent of Americans require an auto loan to purchase a vehicle. With rates lower than for-profit lenders, the T&I Credit Union can help create the right payment plan for your financial situation. Individuals located in Birmingham, Al, can easily apply for your loan online.

Dangling Car Keys

Preparing Your Application

When planning to apply for an auto loan, seek pre-approval before shopping. Having a specific number confirmed will give you a better idea of what you can afford and give you more leeway when negotiating a dealership price.

You’ll need to pull your credit score in advance of applying for car financing, which our experts can do for you at the T&I Credit Union member center. The higher your credit score, the better your interest rate will be, and the lower your monthly payments.

If you have a low credit score and need to apply for a bad credit car loan, it’s advisable to prepare a higher down payment to mitigate risk.

Payment Plans

T&I Credit Union offers multiple payment plans that make it easier for you to finance your new automobile now. At 84 months, we offer APR rates as low at 7.49% (subject to approval), even lower if you choose to invest over a shorter period like 72 or 60 months.

For used cars financed over 60 months, we can offer a rate as low as 7.49% (subject to approval). All our rates are subject to change based on your credit score and exclude existing T&I loans.

Credit Unions Benefit Individuals

Credit unions are often better for individuals and families than for-profit banks. Since credit unions don’t have to make a profit, they can focus their efforts on finding you the lowest possible interest rate.

While banks may appear to have more options and services, this doesn’t mean they are giving you a better deal. The majority of a bank’s money for loans is made from small and large businesses, not from individuals.

Apply Today

If you’ve been thinking of buying a new or used vehicle, you can apply online today in minutes. Our team can help you through the application process and figure out a monthly payment plan that works for you and your family.


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