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Auto Loans

Your home away from home - on four wheels.

If you're like us, you cover a zillion miles during life's journeys. At Integra First, we know that means you want a ride that's reliable, comfortable and, of course, affordable. Here's the deal: You pick a car, truck or SUV that suits your style - whether you're making trips to lower Michigan or traveling throughout Wisconsin - and we'll steer you toward a driver-friendly loan that keeps your monthly payments under control. 
  • Loans for new and used vehicles
  • Competitive rates
  • Repayment terms up to seven years (84 months) for new vehicles 
  • Easy pre-approval process allows you to go vehicle-shopping with confidence
  • Streamlined application process gets you on the road faster 
Year Term APR* as low as Monthly Payment Per $1000 Borrowed
New Titled Vehicles - 2023 & Newer  36 Months 4.99%* $29.97
New Titled Vehicles - 2023 & Newer 48 Months 4.99%* $23.02
New Titled Vehicles - 2023 & Newer 60 Months 5.25%* $18.99
New Titled Vehicles - 2023 & Newer 72 Months 5.49%* $16.33
New Titled Vehicles - 2023 & Newer 84 Months 5.59%* $14.41
*APR= Annual Percentage Rate. APRs will vary based on terms and creditworthiness. Terms, conditions, and restrictions apply. All loans subject to Integra First's normal credit requirements. Rates and terms subject to change without notice.
*72 month term is only available on model year 2019 or newer. 
Annual Percentage Rate (APRs) stated above are based on financing up to 100% of value.
* Members who set up an active checking account can qualify for a 0.50% discount off the posted rate tiers (for auto and recreational). Integra First defines an active checking account as one set up with direct deposit and auto pay on the loan. 
Year Term APR* as low as Monthly Payment Per $1000 Borrowed
Used Titled Vehicles - 2022 - 2019 36 Months 5.99%* $30.42
Used Titled Vehicles - 2022 - 2019 48 Months 5.99%* $23.48
Used Titled Vehicles - 2022 - 2019
60 Months
 6.25%* $19.45
Used Titled Vehicles - 2022 - 2019 72 Months 6.49%* $16.81
*APR= Annual Percentage Rate. APRs will vary based on terms and creditworthiness. Terms, conditions, and restrictions apply. All loans subject to Integra First's normal credit requirements. Rates and terms subject to change without notice.
*72 month term is only available on model year 2019 or newer. 
Annual Percentage Rate (APRs) stated above are based on financing up to 100% of value.
* Members who set up an active checking account can qualify for a 0.50% discount off the posted rate tiers (for auto and recreational). Integra First defines an active checking account as one set up with direct deposit and auto pay on the loan. 
Year Term APR* as low as Monthly Payment Per $1000 Borrowed
Used Titled Vehicles - 2018-2017 36 Months 6.99%* $30.87
Used Titled Vehicles - 2018-2017 48 Months 6.99%* $23.94
Used Titled Vehicles - 2018-2017 60 Months 7.25%* $19.92
2016 and Older Unsecured Rates N/A* N/A
*APR= Annual Percentage Rate. APRs will vary based on terms and creditworthiness. Terms, conditions, and restrictions apply. All loans subject to Integra First's normal credit requirements. Rates and terms subject to change without notice.
Annual Percentage Rate (APRs) stated above are based on financing up to 100% of value.
* Members who set up an active checking account can qualify for a 0.50% discount off the posted rate tiers (for auto and recreational). Integra First defines an active checking account as one set up with direct deposit and auto pay on the loan. 







Click here for official giveaway rules for our September 2025 Free Car Detailing Sweepstakes. Offer valid on approved direct auto loan applications funded between September 1-30, 2025. One (1) $200 car detailing will be awarded by random drawing from all qualifying funded loans during the promotional period. Must be 18 or older. Membership eligibility required. See credit union for complete details. Federally insured by NCUA.
 
Integra First Federal Credit Union is a full-service financial institution serving select counties in Michigan’s Upper Peninsula and Northeast Wisconsin.