Credit union · NCUA insured
iTHINK Financial Auto Loan Rates
iTHINK Financial auto loans start at 5.24% APR for a new vehicle and 5.49% for a used one. Rates checked October 15, 2026.
How iTHINK Financial’s auto loan rates compare
Compared with banks and credit unions near Miami, FL, where iTHINK Financial has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
iTHINK Financial
5.24%APR
- Terms
- 49–60 months
- Up to
- 16.25% APR
New Auto & Truck Loans
Lowest rate
SUN Credit Union
3.99%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
American Airlines Federal Credit Union
4.09%APR
- Terms
- 37–60 months
- Up to
- 13.14% APR
iTHINK Financial auto loan score
75
Auto loan score
Higher than 38% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where iTHINK Financial ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Auto & Truck Loans
Rates based on terms, credit score, and other conditions. Not all members will qualify for the lowest auto loan rate. Subject to income and identification verification. Repayment terms reflected are maximum terms allowed; shorter terms may be required for certain loan amounts. Membership required to close loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.74%–16.00% | Rates as low as 4.74% for terms up to 36 months. |
| 37–48 months | 5.24%–16.00% | — |
| 49–60 months | 5.24%–16.25% | — |
| 61–72 months | 5.94%–16.25% | — |
| 73–84 months | 6.40%–16.25% | — |
Sources (2)
All captured Oct 15, 2026
Used Auto & Truck Loans
Rates based on terms, credit score, and other conditions. Not all members will qualify for the lowest auto loan rate. Subject to income and identification verification. Repayment terms reflected are maximum terms allowed; shorter terms may be required for certain loan amounts. Membership required to close loan. Vehicles up to 125,000 miles.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.74%–16.75% | Rates as low as 4.74% for terms up to 36 months. |
| 37–48 months | 5.49%–16.75% | — |
| 49–60 months | 5.49%–16.75% | — |
| 61–72 months | 6.44%–16.75% | — |
| 73–84 months | 6.79%–16.75% | — |
Sources (2)
All captured Oct 15, 2026
Who can join iTHINK Financial
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.