AUTO LOANS, FINANCIAL PLANNING, GENERAL CREDIT UNION, LOANS
Featured Vehicle Loan Rates
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New Auto Loans
as low as
4.74% APR*
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Used Auto Loans
as low as
4.74% APR*
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Motorcycles
as low as
5.34% APR*
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Motorhomes
as low as
5.49% APR*
-
Boats
as low as
5.24% APR*
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Camping Trailers
as low as
5.49% APR*
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New Golf Carts
as low as
5.49% APR*
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Used Golf Carts
as low as
5.74% APR*
Fully Protected Loan
Fully Protected Loan Options:
- Mechanical Breakdown Protection – Lower than dealer offers on mechanical breakdown coverage!
- GAP Total Loss Protection – Competitive rates on insurance to cover the GAP!
- Payment Protection – Protect yourself, just in case!
- Depreciation Protection Waiver - Protect the value you've already paid for!
We make it easy to apply!
The fastest way to get a loan is to Apply Online. Or you can call us at 800.873.5100 during normal business hours, email loans@ithinkfi.org, or stop by your nearest branch to apply in person. Need help? Make an appointment.
Vehicle Title Information
Registration and Title (Lien Recording) Instructions
If purchased from a private seller: Once the original title, bill of sale, and Vehicle Power of Attorney have been received by the title department at iTHINK Financial, all completed paperwork will be sent to the DMV. In the meantime, please await correspondence via email on the fee breakdown and additional documents needed to complete the paperwork. You will not be required to go to your local DMV. Once your paperwork has been completed by the DMV, you will receive your registration in the mail.
If purchased from a dealer: Generally, the dealer will complete the registration and lien placement and, in most cases, the DMV will forward the title to iTHINK Financial. Should you receive the title after registration and lien placement, simply forward it to:
iTHINK Financial – Consumer Lending
647 Roswell Street NE
Marietta, GA 30060
Please note: If a temporary tag is needed, please contact your local DMV/Tag agency to obtain one.
LIEN
A lien is the right to take and hold or sell property of a debtor as security or payment for a debt. iTHINK Financial requires Members who offer collateral to secure a loan, such as a car loan or personal expense loan, to record iTHINK Financial as the first lien holder on that collateral. This means that if the Member defaults on the loan, iTHINK Financial can take the collateral and sell it to pay off the loan.
VIN REQUIREMENT
When applying for a collateral loan, Members must supply the vehicle identification number (VIN) when using an automobile or motorcycle as collateral on a loan, or a hull number or serial number when using a boat or other collateral. iTHINK Financial requires this number at the time of application, unless the loan is a pre-approval.
How to register your vehicle/obtain a license plate
You have signed all your documents, so what's next?
- All documents will be sent to iTHINK Financial's Title Department.
- iTHINK Financial's Title Department will complete all paperwork to be sent to the DMV (title, application, etc.).
- A specialist from the Title Department will contact you via email for any additional documents needed to complete the paperwork. Please respond to any correspondence as soon as possible to reduce process delay.
- The documents will be sent to the DMV/Tag agency for processing via trackable or certified mail.
- Once documents are delivered to the DMV/Tag agency, please allow up to 14 business days for completion.
- Once the title has been processed, you will receive your registration in the mail.
- In the meantime, please contact your local DMV/Tag agency for a temporary tag (if applicable).
Please note: This process can take up to 30 days.
Thank you for choosing iTHINK Financial for your auto loan financing!
Check your Loan Application Status
Want to check the status of your loan application, securely upload loan-related documents, or communicate with your Loan Officer?
Other Resources
- Auto Buying Guide – Visit our page for helpful information about the vehicle buying and loan process.
- Auto Buying Service – Save time, save money, and eliminate the dealer hassles, pressure, and confusion.
- Submit your proof of insurance online: To submit proof of insurance for your auto, recreational vehicle, or mortgage loan, please email your documentation to insurance@myinsurance.com.
- If you received a notice regarding (loan) collateral insurance, provide proof of coverage by clicking here: myinsuranceinfo.com.
- Auto Insurance – Coverage options to meet your individual needs!
- Calculators – Use our financial calculators to find the best car loan for you!
- Consumer Loan Disclosure
Vehicle Loan Frequently Asked Questions
Get answers to common questions about vehicle loans, refinancing, pre-approval, membership and financing options.
Do you have to pay to refinance a car?
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.
Can I get pre-approved for a car loan at a credit union?
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.
How often should I refinance my car?
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.
Is my car loan interest tax deductible?
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.
Is refinancing a car worth it right now?
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.
What should I look for when choosing an auto lender?
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.
Should I finance through the dealership or my credit union?
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.
Do I have to be a member to get an auto loan?
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.
Do I need GAP insurance in Florida?
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.
What credit score do I need for a car loan?
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.
How long can I finance a car?
iTHINK Financial offers financing for eligible new and used cars and trucks with terms up to 84 months. 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.
Can I finance a boat, motorcycle, RV or golf cart?
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.
Member Testimonials
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.