Auto Loans in Birmingham

Auto Loans In Birmingham, Michigan

A low-interest Auto Loan rate 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 Auto Loan rates and great customer service.

How Auto Loans Work

An Auto Loan from a credit union works the same as an Auto 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 Auto Loan rate is often lower than banks.

You can pay back your Auto 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. Learn more about T&I Credit Union Auto Loans.

Calculate Your Auto Loan Cost

Use our convenient financial calculator to estimate your Auto Loan monthly payments and determine the affordability of your new, used, or refinanced car.

Getting Approval For An Auto Loan

You can get pre-approved for an Auto Loan in Birmingham if you're a member of a credit union. The pre-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 ask for a larger Auto 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 in Birmingham that allows your family to get the car you need to stay safe and active, as well as provide other services like Checking Accounts and Savings Accounts.

Contact us today at 1 (800) 338-3908 to learn more about your options.

Choose T&I Credit Union For Your Auto Loan in Birmingham, Michigan

Searching for the perfect car in Birmingham can be exciting, and financing it should be easy. T&I Credit Union goes the extra mile to understand your needs and provide personalized Auto Loan options. We offer a variety of terms and competitive Auto Loan rates to fit your budget so you can focus on the joy of driving your new car. 

Apply for an Auto Loan in Birmingham online in minutes and be ready to hit the road confidently!