Risk-based lending is an approach that allows IFCU to effectively cater to the credit needs of all its members. This method employs a tiered pricing structure that determines loan rates based on an individual's credit risk.

While borrowers with less-than-perfect credit histories may face slightly higher interest rates compared to those with strong credit backgrounds, they can still access loans without encountering the excessive interest rates and fees commonly associated with various alternative financial providers, such as finance companies, rent-to-own stores, title loan companies, and pawnshops.

Get pre-approved for your upcoming vehicle purchase. Our New Vehicle Loans are available with rates as low as 1.9%.