Vehicle Loans


We Make the Vehicle of Your Dreams a Reality

The Infirmary Federal Credit Union offers financing for both new and used vehicles and we want to put you in the driver’s seat. Our car buying partners, competitive Auto Loan Rates, refinancing, and loan protection and additional coverage help you get the most out of your money.

Apply. Choose. Drive.

Apply. Shop with confidence and start by applying for pre-approval for a TIFCU Auto Loan. With your financing in line you will know how much car you can afford, and the dealers will know you are a serious buyer. Our fast application process can get you into your dream car hassle-free. **100% Auto Loan Financing is available for qualified members.

Choose. Enjoy exclusive savings on your next vehicle by beginning your new or used vehicle search using one of our partners. New, or used, browse in-stock inventory, get real pricing and excellent service. Find your next car!

Drive. When you are ready to purchase the vehicle, simply reach out to us to finalize the loan documents. Then we can coordinate payment to the dealership.

Refinance. Already in the car you want? Rev up your budget by bringing your loan from another financial institution over to TIFCU. You’ll be glad you did!

APR= APR= Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval. **100% financing of retail value, including tax, license, document fees and service maintenance contracts on approved credit. **100% financing of retail value, including tax, license, document fees and service maintenance contracts on approved credit.

Enterprise Car Sales

The Infirmary Federal Credit Union has partnered with Enterprise Car Sales to offer our members certified previously owned vehicles at reasonable prices. Enterprise Car Sales has taken the stress out of buying a used vehicle with haggle-free pricing on more than 250 makes and models. For your peace of mind, Enterprise Car Sales only sells certified used vehicles and every vehicle includes a free CARFAX® Vehicle History Report™.

Before you begin the used-vehicle buying process, save time and apply for pre-approval for an Auto Loan.

Then start searching the Enterprise Car Sales inventory of more than 250 local and 6,000 vehicles nationwide.

Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval. Used vehicles were previously part of Enterprise short-term rental and/or lease fleet or purchased by Enterprise from other sources including auto auctions, with previous use possibly short-term rental, lease or other. The “e” logo and Enterprise are trademarks of Enterprise Holdings, Inc. All other trademarks are property of their respective owners.

CARFAX®

Get a CARFAX® Report

When shopping for a used car, condition and safety are important factors to consider. CARFAX® Vehicle History Reports™ can help you make better used car-buying decisions. CARFAX® Reports provide the most detailed history on any car. The report will tell you about a vehicle's title, ownership, and mileage history, and may also include accident indicators, service records, and more.

At TIFCU, we suggest using CARFAX® to help you find the perfect car. This small investment can help your cargo a long way. We’ll pull one FREE report on the car you want to buy, but let us know if you want to see multiple reports and we can order them for you for a small fee. Contact your loan officer for specific details and fees.

Credit Life & Disability

Credit Insurance Makes Your Loan Payments When You Can’t.

Life can be wonderful, but it can also get complicated when unexpected things happen. Protecting your loan payments against the unexpected such as a disability or covered life event could help you protect more than your finances. It could help lighten the burden for the people you care about. Insure your loan payments today so you can worry a little less about tomorrow.

There’s no way to predict an injury, illness or other unexpected life event. You can take steps to protect your family if the unforeseen happens. Credit disability and credit life insurance may help reduce or pay off your covered loan or make your monthly loan payment, up to the policy maximum, in the event of a covered life event, injury, illness or death.

You decide which payments you want to protect and the monthly premium may be added to your loan. Coverage is designed to fit your lifestyle, is totally voluntary, and won’t affect your loan approval. It’s simple to apply for individual or joint coverage. You can sign up for credit insurance at your loan closing, or anytime you’d like.

Call TIFCU at 251-435-5900 to find out more.

CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Your purchase of MEMBER’S CHOICE® Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative or refer to the Group Policy for a full explanation of the terms.

CA Only: Claims may be filed by contacting your credit union. If you have questions regarding your claim status, contact CMFG Life at 800.621.6323. California Department of Insurance Consumer Hotline: 800.927.4357. Credit Union License #:

VT Only: Claims may be filed by contacting your credit union. If you have questions regarding your claim status, contact CMFG Life at 800.621.6323. Only a licensed insurance agent may provide consultation on your insurance needs.

CDCL-2039560.1-0218-0320 © CUNA Mutual Group 2018, All Rights Reserved

Guaranteed Asset Protection (GAP)

Don’t Let a Wrecked Vehicle Wreck Your Finances.

Guaranteed Asset Protection (GAP) is a great way to protect your finances if the value of your vehicle is less than the amount of your car loan. A good rule of thumb is to assume your new vehicle will depreciate on average 20% the first year you own it, half of which occurs the minute you drive it off the lot.* This leaves a gap between what you owe on your loan and the value of your vehicle if it’s deemed a total loss due to an accident or theft. Our GAP program can help fill the gap between what your vehicle insurance will pay and what you owe on your loan.

Contact us today at 251-435-5900 to learn more about adding GAP to your vehicle loan so you can worry less about tomorrow.

*Car Depreciation – 5 Things to Consider, CARFAX, May 18, 2017 Your purchase of MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) is optional and will not affect your application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions, and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee to your loan amount will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid. GAP purchased from state chartered credit unions in FL, GA, IA, RI, UT, VT, and WI, may be with or without a refund provision. Prices of the refundable and non-refundable products are likely to differ. If you choose a refundable product, you may cancel at any time during the loan and receive a refund of the unearned fee. GAP purchased from state chartered credit unions in CO, MO, or SC may be canceled at any time during the loan and receive a refund of the unearned fee. GAP purchased from state chartered credit unions in IN may be with or without a refund provision. If the credit union offers a refund provision, you may cancel at any time during the loan and receive a refund of the unearned fee.

GAP-2178975.1-0718-0820 © CUNA Mutual Group, 2018. All Rights Reserved.

TruStage® Auto & Home Insurance Program

Designed for credit union members like you, the TruStage® Auto & Home Insurance Program provides affordable top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service.

Get your free quote today or call 1-855-483-2149.

TruStage® Auto and Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union. © TruStage Insurance Agency 2017 AHE, AHL-1339661.2