Get the loan you need from It'sMyCU!

Auto Purchase

Auto Refinance

  • Apply for an auto loan with It'sMyCU before car shopping to find out what you can be pre-approved for.
  • Earn $200* cash.


  • If you already have an auto loan financed with another lender, you can refinance your loan to It'sMyCU.
  • Earn $200* cash.


*Restrictions apply. Credit Approval Required. Pre-approval must finance with It'sMyCU. Refinance from another lender. $20 membership fee. Membership is open to anyone living or working in McLean, Logan, DeWitt, Stephenson, Livingston, LaSalle, and Winnebago Counties. Rate is based on creditworthiness.

2025 is the perfect time to take control of your finances. At It'sMyCU, we’re here to help you simplify your life and achieve your financial goals with a loan to consolidate debt.


By combining your high-interest debts into one manageable payment, you can reduce stress, save on interest, and focus on what really matters. Plus, with our personalized support, you’ll have a trusted partner by your side every step of the way.


Let’s build a brighter future together—starting today!

Make 2025 your year of financial freedom.

*Restrictions apply. Credit approval required. Membership is open to anyone living or working in McLean, Logan, DeWitt, Stephenson, Livingston, LaSalle, and Winnebago Counties. Rate is based on creditworthiness.

Learn About It'sMyCU Loans:

Get pre-approved for an 

auto loan and earn $200

Already bought a car? Refinance with 

It'sMyCU and earn $200

We have an unsecured loan 

to fit everyone's needs

High rate on your credit card? 

Transfer your balance

Check out our rates.

Did you know we offer auto warranties?

  • Competitively priced auto warranties.
  • You don't have to be a member to get an auto warranty with us!
  • Fill out the form below to get a warranty quote.
  • If you have additional questions, email lobbylending@itsmycreditunion.org

Learn more about GAP Insurance

It'sMyCU has you covered with GAP Plus!

What is GAP Insurance?

  • Guaranteed Asset Protection
  • GAP insurance is additional coverage when your vehicle is deemed a total loss. It kicks in to help cover the difference if your insurance does not cover the full loan balance.  

What is GAP PLUS?

  • GAP insurance is additional coverage when your vehicle is deemed a total loss. It kicks in to help cover the difference if your insurance does not cover the full loan balance.  
  • GAP Plus is an additional $2,500 incentive that is paid to the principle of your replacement vehicle financed with It'sMyCU!

Check the value or history of a vehicle

  • Consumer vehicle values
  • The leading source of car, motorcycle, RV, and boat values
  • Vehicle search by VIN or plate number
  • Request the vehicle history report

NEW!

Credit Empowerment Program

Empower Your Financial Future

Are you ready to take control of your credit and build a stronger financial future? Our Credit Empowerment Program is here to help you at every step of your journey.

Credit Start

Credit Refresh

Credit Overhaul

Perfect for those new to credit. Learn the fundamentals and start building your credit the right way. 

Improve your existing credit score with personalized strategies.

Get comprehensive support for significant credit challenges including debt restructuring and budgeting advice.

Free Credit Report Review

1

2

3

Review your credit report 

with a specialist

Find out what is affecting 

your score

Learn how to increase
your score

It'sMyCU Member Testimonials

Routing #: 271186931

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