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The smart choice in new and pre-owned vehicle financing!

How would you like a low payment vehicle loan program that combines the best features of conventional financing along with the benefits of leasing?! Sound too good to be true? ... Well, ICCU has the vehicle financing answer for you.... the SmartLoan!

ICCU's SmartLoan gives you the best of both worlds. Like a lease, the SmartLoan offers payment considerably lower than conventional financing on your new or preowned vehicle. Yet, unlike leasing, with the SmartLoan you own the vehicle and receive all of the flexibility and benefits of vehicle ownership!

All new and up to five-year old cars, vans, and light trucks qualify for financing with the SmartLoan. All vehicles can be financed up to 72 months! Other benefits of the SmartLoan include:

  • No Capitalization Fees
  • No Application Fee
  • No Security Deposit
  • No Up Front First or Last Payment
  • Option to Sell, Trade, Finance Vehicle Anytime or
  • Return Vehicle at Loan Maturity and simply "Walk-away"
  • No Early Payoff Penalty
  • 100% Financing with NO MONEY DOWN
  • Mileage Options of 12,000, 15,000, and 18,000 Per Year Available

Want to find out how low your SmartLoan payment could be? Use the SmartLoan Payment Calculator to build your car and compare a conventionally financed vehicle payment with the SmartLoan payment. For more information, visit any ICCU office or apply online today!


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