Car Loans in Royal Oak

Car Loans in Royal Oak, Michigan

Just because you don’t have the cash right now, it doesn’t mean you can’t invest in a new vehicle. Financing a car is a great way to get ahead on a significant investment, and a credit union in the Royal Oak area can help you start the application process. A credit union can offer more flexibility on loan amounts and rates than for-profit banks or lenders to help you obtain your financial goals faster.

Auto Loans

We offer auto loans on new cars at the T&I Credit Union with 60, 72, and 84-month financing options. On 60-month terms, our APR rates are as low as 5.49% (subject to approval). When it comes to used vehicles, we firmly believe that a few years on your car shouldn’t mean an exceptionally high rate. That’s why we provide 60 months of auto financing on used vehicles with rates as low as 6.49% APR (subject to approval).

We offer gap insurance to protect you from taking a loss on a totaled car or to allow you to claim our $500 Auto Deductible Reimbursement.

Become a Member

Becoming a member at T&I Credit Union has many perks. If you’re looking to improve bad credit or just curious about your credit history, we’ve got you covered. At our membership center, we can pull up your score and help identify areas for improvement.

We understand that life can get busy, and that’s why we offer the skip-a-payment option for those months when you’re taking a vacation or need a break. For just a $25.00 fee, you can use this option to defer a monthly payment once per year.

Partner With Us

T&I Credit Union is committed to finding you the lowest rate and serving the Royal Oak area. When you take out an auto loan, you aren’t just investing in your car but also in your future.

We offer credit cards, savings accounts, checking accounts, and mobile banking services. Whether you’re looking to refinance, apply for a personal loan, or a line of credit, let our experts find a payment plan that works for the lifestyle you want to live.

Call us at 1 (800) 338-3908 to find out how we can assist you.

Disclaimer: 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. Existing T&I loans excluded. See T&I Credit Union for more information. T&I Credit Union is an Equal Opportunity Lender. Effective 01/01/2025-03/31/2025.