Scammers may impersonate iTHINK Financial through texts, calls, emails, or push notifications. We will never ask you to transfer money or provide your full card number, PIN, password, or one-time security code.
If a message seems suspicious, do not respond, click links, or provide personal or account information. Contact iTHINK Financial directly using a trusted phone number or visit our official website.
Learn MoreAttractive rates. Flexible terms. A smoother road ahead.
Finance a new or used car, truck or SUV with iTHINK Financial. Get pre-approved before you shop and enjoy a simple, member-focused loan process.
Your next vehicle starts here
iTHINK Financial offers financing for new and used cars, trucks and SUVs, with flexible terms and no application fee. Get pre-approved before you shop so you can explore your financing options before visiting the dealership.
Looking beyond a car or truck? Financing is also available for motorcycles, boats, motorhomes, camping trailers and golf carts.
Know your financing options before heading to the dealership. You can apply for pre-approval before choosing a vehicle, and you do not need a vehicle identification number (VIN) to get pre-approved.
iTHINK Financial finances eligible used vehicles with up to 125,000 miles. Financing may be available up to 110% loan-to-value, subject to credit approval and applicable lending requirements.
Refinancing may help you change your rate, term or monthly payment. iTHINK Financial can refinance qualifying vehicle loans, including eligible existing iTHINK Financial vehicle loans.
Internal iTHINK Financial refinances are not eligible for a first-payment deferral.
4.74% APR*
4.74% APR*
5.34% APR*
5.49% APR*
5.24% APR*
5.49% APR*
5.49% APR*
5.74% APR*
Plan for the unexpected
Explore vehicle and payment protection options, and talk with a loan advisor about the coverage available for your vehicle loan.
Explore coverage options for mechanical breakdowns.
Learn About Mechanical Breakdown ProtectionLearn about protection for a covered total loss.
Learn About GAP Total Loss ProtectionExplore payment protection options for unexpected events.
Learn About Payment ProtectionLearn about protection for the value you have paid for.
Learn About Depreciation Protection WaiverAfter you choose your vehicle
Review registration, title and lien recording instructions, including what happens after a private purchase or dealership purchase.
View Registration and Title Information
Once the original title, bill of sale and Vehicle Power of Attorney have been received by iTHINK Financial’s Title Department, the completed paperwork will be sent to the DMV. Watch for an email with the fee breakdown and any additional documents needed. You will not be required to go to your local DMV to complete this paperwork. Once the DMV completes processing, you will receive your registration in the mail.
Generally, the dealer completes the registration and lien placement, and the DMV forwards the title to iTHINK Financial. If you receive the title after registration and lien placement, forward it to:
iTHINK Financial – Consumer LendingIf you need a temporary tag, contact your local DMV/Tag agency.
A lien gives a lender the right to hold or sell property used as security for a debt. When collateral secures an iTHINK Financial loan, iTHINK Financial must be recorded as the first lienholder. If the borrower defaults, the collateral may be taken and sold to repay the loan.
A vehicle identification number (VIN) is required when an automobile or motorcycle is used as collateral. Boats and other collateral require the applicable hull or serial number. This number is required at application unless you are applying for pre-approval.
After you sign your loan documents:
The overall process can take up to 30 days.
Access your existing application to check its status, securely upload loan documents or communicate with your loan officer.
Auto Buying Guide – Explore the vehicle buying and loan process.
Auto Buying Service – Get help with your vehicle search.
Financial Calculators – Compare vehicle financing scenarios.
Consumer Loan Disclosure – Review consumer lending information.
To submit proof of insurance for your auto, recreational vehicle or mortgage loan, email insurance@myinsurance.com.
If you received a collateral insurance notice, provide proof of coverage at myinsuranceinfo.com .
Auto Insurance – Explore coverage options.
Answers before you apply
Find answers about pre-approval, refinancing, membership and vehicle financing.
There is no application fee to refinance a car loan at iTHINK Financial. You may have state-specific costs associated with transferring the lien, title or registration. Check whether your current lender charges a prepayment penalty or other fee before refinancing.
Yes. iTHINK Financial offers vehicle-loan pre-approval before you choose a vehicle, and you do not need a VIN to get pre-approved. You must be a member to close the loan, but membership can be opened while your loan application is being processed. Once you select your vehicle, the VIN is required to complete the loan.
There is no fixed schedule for refinancing a vehicle. It may make sense to consider refinancing when your credit has improved, available rates have changed or a different loan term would better fit your financial goals. Compare the remaining balance, available rate, loan term and total interest before deciding whether to refinance.
Car loan interest may be deductible for certain eligible taxpayers and qualifying vehicles under current federal tax law. iTHINK Financial will provide Form 1098-VLI to eligible vehicle-loan borrowers at the end of the year going forward. This is general information and is not tax advice. Consult a qualified tax professional about your individual situation.
It depends on your existing loan and the rate and terms you qualify for today. Refinancing may be worth considering if your credit has improved, your current interest rate is higher than available rates or you want to change the length of your loan. Compare the remaining balance, new loan term, monthly payment and total interest before applying.
Compare the annual percentage rate (APR), loan term, fees and total cost of borrowing rather than focusing only on the monthly payment. Also consider whether the lender offers pre-approval, what types of vehicles it finances, its vehicle eligibility requirements and whether membership is required. Comparing more than one financing option can help you make an informed decision.
Getting pre-approved through your credit union before visiting the dealership gives you a financing offer to compare with dealer financing. You can then compare the APR, loan term, fees and total cost of each offer and choose the option that works best for you.
Yes. iTHINK Financial is a member-owned credit union, so you must be a member to close a vehicle loan. Eligible applicants can open membership while their loan application is being processed.
GAP coverage is not required by Florida law. It can help cover the difference between what your auto insurer pays if a vehicle is totaled or stolen and the amount you still owe on the loan. iTHINK Financial offers GAP Total Loss Protection as an optional vehicle-protection product.
iTHINK Financial does not publish a minimum credit score for vehicle loans. Loan approval and available rates and terms depend on your credit qualifications and other underwriting requirements.
iTHINK Financial offers financing for eligible new and used cars and trucks with flexible terms. Available terms depend on the vehicle and your credit qualifications. Longer loan terms can reduce the monthly payment but may increase the total interest paid over the life of the loan.
Yes. iTHINK Financial offers financing for new and used motorcycles, boats, motorhomes, camping trailers and golf carts in addition to cars and trucks. Available rates, terms and vehicle requirements vary by loan type.
Read what our members have to say about getting an Auto Loan at iTHINK Financial.
*APR=Annual Percentage Rate. Rates based on terms, credit score, and other conditions. Inquire within for details. Not all members will qualify for the lowest auto loan rate. Rates subject to change without notice. All iTHINK Financial Loans, including Visa® Credit Cards, are subject to income and identification verification. Contact a Member Service Advisor for the most current rates, terms, fees and conditions that may apply. The consumer loan disclosures are located here: Consumer Lending Plan.
**Contact the Credit Union for the present Certificate rates to determine the current APR.
