Auto Loans

Thinking about buying a new car?

Here at IC, we offer auto loans at competitive rates the same day you apply. We are also joining forces with CUDL AutoSMART to help you buy your next vehicle in a flash. And if you already have an existing auto loan, refinancing is available, too. What are you waiting for? Don’t let this opportunity drive by you.

Competitive Rates: Enjoy low and competitive interest rates that make your dream car more affordable than ever.
Speedy Pre-Approvals: Our quick pre-approvals will help you shop confidently for your new car.
Loan Protection Insurance: Our auto loans come with the option for loan protection insurance–which gives you the peace of mind that your investment is safeguarded and you’re securing your financial future.
Refinancing Options: Do you already have an auto loan? We’re here to help you save money! Explore our refinancing options that can potentially lower your monthly payments or reduce your interest rate.”

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OVERVIEW

Get a Loan for the Road

Up to 100% financing

GAP & mechanical breakdown protection

Terms up to 7 years

Auto Loan Calculator

Easy 3-Step Application

Submit your online application

Get an express pre-approval or schedule a meeting

Drive away in your new car

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Or Contact Us

If you have any questions left

Main Office

Address
300 Bemis Road, Fitchburg, MA 01420

Phone
Main Office (800) 262-1001

Get in touch with us

RATES

Auto Loans Rates

Effective as of November 1, 2024

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MODEL YEARS - TERMS	APR	PAYMENT PER $1,000
2021-2024 - 63 Months	6.99%	$19.02
2021-2024 - 84 Months	8.49%	$15.84
2021-2024 - 66 Months	6.99%	$18.30
2021-2024 - 75 Months	7.49%	$16.75
DISCLOSURES: APR = Annual Percentage Rate Rates subject to change without notice. Subject to credit underwriting and approval. Other model years and rates available based on credit score.
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Used Auto Loans Rates

Effective as of November 1, 2024

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MODEL YEARS	TERM	APR	PAYMENT PER $1,000
2015	63 Months	7.99%	$19.49
2017	63 Months	7.24%	$19.14
2018	63 Months	7.24%	$19.14
2019	63 Months	6.99%	$19.02
2020	63 Months	6.99%	$19.02
2016	63 Months	7.99%	$19.49
DISCLOSURES: APR = Annual Percentage Rate Rates subject to change without notice. Subject to credit underwriting and approval. Other model years and rates available based on credit score.
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RVs, Boats & Motorcycle Loans Rates

Effective as of November 1, 2024

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LOAN TYPE	TERM	APR	PAYMENT PER $1,000
RVs - Used	120 Months	10.99%	$13.78
20% down payment required on all new or used RVs and Boats. Contact us for other terms.
Boats - New	144 Months	10.24%	$12.10
20% down payment required on all new or used RVs and Boats.
Boats - Used	120 Months	10.99%	$13.78
20% down payment required on all new or used RVs and Boats.
Motorcycles - New	60 Months	6.99%	$19.80
Motorcycles - Used	48 Months	7.49%	$24.18
RVs - New	144 Months	10.24%	$12.10
20% down payment required on all new or used RVs and Boats. Contact us for other terms.
APR = Annual Percentage Rate Rates shown are lowest possible and are subject to credit and income verification. Rates subject to change without notice.
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HELP

Q: Is a 0% Auto Loan a good alternative to an IC Auto Loan?

In seeking the best deal on your next car, you might’ve stumbled upon advertisements or offers to get a 0% interest auto loan. As great as this sounds, you may not save as much as you expect with this type of incentive. Learn more about 0% interest auto loans.