Benefits      Rates

Warranty      GAP Insurance

$200 cash reward and NO payment for 60 days when you refinance your auto loan with It'sMyCU!*

Qualifying auto loans will receive a lower interest rate and a lower monthly payment!

Upgrade to GAP+ for additional benefits!

Add a warranty to protect your vehicle!

If upgrading your vehicle or lowering your current payment is on your list this year, we’ve got a smart way to get started.

Why start with It'sMyCU?

• Competitive auto loan rates
• Flexible terms that fit your budget
• Local service you can trust
• And $200 CASH!

Auto Purchase

Auto Refinance

• Earn $200* cash.
• Apply for an auto loan with It'sMyCU before car shopping to find out what you can be approved for.
• Find the payment amount that works for you!
• Save time and money with a pre-approval.

• Earn $200* cash.
• If you have already financed an auto loan with another lender, you can still refinance your loan to It'sMyCU.
• Add GAP+ and/or a warranty for further protection.
• Possible lower monthly payment and/or interest rate.

• Competitively priced warranties
• You don't have to be a member to get an auto warranty with us!
• Fill out the form below to get a warranty quote
• If you have additional questions, email Lobbylending@itsmycreditunion.org

What is GAP Insurance?

• Guaranteed Asset Protection
• GAP insurance is additional coverage when your vehicle is deemed a total loss. It kicks in to help cover the difference if your insurance does not cover the full loan balance. 

What is GAP Plus?

• GAP Plus is an additional $2,500 incentive that is paid to the principle of your replacement vehicle financed with It'sMyCU.

• Consumer vehicle values
• The leading source of car, motorcycle, RV, and boat values

• Vehicle search by VIN or plate number
• Request the vehicle history report

Once your application has been reviewed, a loan officer will contact you! 

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*Restrictions Apply. Application uses a soft credit inquiry only and will not impact your credit score. Rates, terms, and conditions are subject to change and may vary. Membership with Illinois State Credit Union is required. See Illinois State Credit Union for full details.