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Vehicle Loans

Loans available for new and used:

  • Cars
  • SUVs
  • Trucks
  • Motorcycles
  • Boats
  • Campers


  • Competitive rates
  • Get a .50% APR rate discount for having an IBMSECU Visa Credit Card in good standing
  • Get a .50% APR rate discount for using one of our Auto Buying services: Enterprise Car Sales or TrueCar
  • Pre-approval available*
  • No application fees
  • A variety of terms to fit your budget

Consumer Loan Disclosure

*Pre-approval is based on credit history.

We make it easy to apply!

Online (the fastest way to get a loan) – Click here to apply.

  • Call Us – Just give us a call at 800.873.5100 during normal business hours (or email
  • Visit – Stop by your nearest branch to apply in person.
  • Download our Loan Application – Complete the application and fax it to us at 561.982.4798. Or call us at 800.873.5100 and we’ll mail or fax an application directly to you.

Convenient loan repayment options

  • Transfer your payment from your account at another financial institution using eTransfers or contact us to set up a recurrent Direct Payment.
  • Set up email or text alerts through eMessenger Alerts for convenient payment reminders.
  • Set up recurring scheduled automatic transfers from your Credit Union checking or savings account to your loan by using Online Banking.
  • Make one-time transfers from your Credit Union checking or savings account to your loan by using Online Banking, Mobile Banking, or telephone banking.
  • Make payment by mail or at a branch or at a CO-OP Shared Branch.

Vehicle Title Information

Registration and Title (Lien Recording) Instructions

If purchased from a private seller: Take the original title signed by the seller, bill of sale and proof of insurance to the DMV. Register and title the collateral in your name and record IBMSECU as the first lien holder. In most cases, the DMV will send the title to IBMSECU; however, should you receive the title after registration and lien placement, simply forward it to IBMSECU.

If purchased from a dealer: In general, the dealer will complete the registration and lien placement and, in most cases, the DMV will forward the title to IBMSECU. Should you receive the title after registration and lien placement, simply forward it to IBMSECU.


A lien is the right to take and hold or sell property of a debtor as security or payment for a debt. IBMSECU requires Members who offer collateral to secure a loan, such as a car loan or personal expense loan, to record IBMSECU as the first lien holder on that collateral. This means that if the Member defaults on the loan, IBMSECU 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. IBMSECU requires this number at the time of application, unless the loan is a pre-approval. The VIN or hull number is a required field on the pre-approved loan draft.



“Buying a Car” – presented by BALANCE

Car Buying Decisions
Learn how to prepare yourself for the car buying process with BALANCE’s Car Buying Decisions financial toolkit.


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