Vehicle Loans

We Make the Vehicle of Your Dreams a Reality

The Infirmary Federal Credit Union offers financing for both new and used vehicles and we want to put you in the driver’s seat. Our car buying partners, competitive Auto Loan Rates, refinancing, and loan protection and additional coverage help you get the most out of your money.

Apply. Choose. Drive.

Apply. Shop with confidence and start by applying for pre-approval for a TIFCU Auto Loan. With your financing in line, you will know how much car you can afford, and the dealers will know you are a serious buyer. Our fast application process can get you into your dream car hassle-free. **100% Auto Loan Financing is available for qualified members.

Choose. Once you are pre-approved, all you need to do next is find your next car!

Drive. When you are ready to purchase the vehicle, simply reach out to us to finalize the loan documents. Then we can coordinate payment to the dealership.

Refinance. Already in the car you want? Rev up your budget by bringing your loan from another financial institution over to TIFCU. You’ll be glad you did!

APR= APR= Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval.

Credit Life & Disability insurance

Credit Insurance Makes Your Loan Payments When You Can’t.

Life can be wonderful, but it can also get complicated when unexpected things happen. Protecting your loan payments against the unexpected such as a disability or covered life event could help you protect more than your finances. It could help lighten the burden for the people you care about. Insure your loan payments today so you can worry a little less about tomorrow.

There’s no way to predict an injury, illness or other unexpected life event. You can take steps to protect your family if the unforeseen happens. Credit disability and credit life insurance may help reduce or pay off your covered loan or make your monthly loan payment, up to the policy maximum, in the event of a covered life event, injury, illness or death.

You decide which payments you want to protect and the monthly premium may be added to your loan. Coverage is designed to fit your lifestyle, is totally voluntary, and won’t affect your loan approval. It’s simple to apply for individual or joint coverage. You can sign up for credit insurance at your loan closing, or anytime you’d like.

Call TIFCU at 251-435-5900 to find out more.

Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company (Home Office: Waverly, IA), is optional to purchase and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative or refer to the Group Policy for a full explanation of the terms.

For CA only: Base Form Numbers: B3a-830-0996, B3a-800-0695. Claims may be filed by contacting your credit union. If you have questions regarding your claim status, contact CMFG Life at 800.621.6323. California Department of Insurance Consumer Hotline: 1-800-927-4357.

For VT only: Claims may be filed by contacting your credit union. If you have questions regarding your claim status, contact CMFG Life at 800.621.6323. Only a licensed insurance agent may provide consultation on your insurance needs.

Guaranteed Asset Protection (GAP)

Don’t Let a Wrecked Vehicle Wreck Your Finances.

Guaranteed Asset Protection (GAP) is a great way to protect your finances if the value of your vehicle is less than the amount of your car loan. A good rule of thumb is to assume your new vehicle will depreciate on average 20% the first year you own it, half of which occurs the minute you drive it off the lot.* This leaves a gap between what you owe on your loan and the value of your vehicle if it’s deemed a total loss due to an accident or theft. Our GAP program can help fill the gap between what your vehicle insurance will pay and what you owe on your loan.

Contact us today at 251-435-5900 to learn more about adding GAP to your vehicle loan so you can worry less about tomorrow.

GAP is not insurance; it is an optional debt cancellation product. GAP will not affect your application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP Fee to the amount financed under your contract will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid.

GAP purchased from state-chartered credit unions in FL, GA, IA, IN, UT, VT, and WI may be with or without a refund provision. Prices of the refundable and non-refundable products are likely to differ. If you purchase a refundable product, you may cancel at any time during the loan and receive a refund of the unearned fee.

GAP purchased from state-chartered credit unions in CO, MO or SC may be canceled at any time during the loan and receive a refund of the unearned fee.

TruStage® Auto & Home Insurance Program

Designed for credit union members like you, the TruStage® Auto & Home Insurance Program provides affordable top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service.

Get your free quote today or call 1-855-483-2149.

Auto and Home Insurance Products are issued by Liberty Mutual Insurance Company, 175 Berkeley Street, Boston, MA. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Liberty Mutual Copyright 2023. Discounts are not available in all states and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. Please consult your policy for specific coverage and limitations.

TruStage™ is the marketing name for TruStage Financial Group, Inc. its subsidiaries and affiliates. Securities distributed by CUNA Brokerage Services, Inc., member FINRA/ SIPC, a registered broker/dealer, 2000 Heritage Way, Waverly, IA, 50677. Investment and insurance products are not federally insured, may involve investment risk, may lose value and are not obligations of or guaranteed by any depository or lending institution. All guarantees are based on the claims paying ability of the underwriting company. Insurance products are issued by CMFG Life Insurance Company, MEMBERS Life Insurance Company, CUMIS Insurance Society Inc., CUMIS Specialty Insurance Company Inc., American Memorial Life Insurance Company, and Union Security Insurance Company.