See How It Works
It's easy as 1,2,3
Pre-arranged, no-hassle financing with MCU
2. Research &
See what others paid for the car you want
3. Buy with
Visit the certified dealership with your guaranteed savings certificate and VIP check and then drive away with your new car
Benefits of the MCU Car Buying Service
Easy Loan Application Process
Complete your pre-approval online, get a quick response from application to closing. With MCU eSign, there is no need to visit a branch.
Convenient VIP Purchase Check Option
Before you visit a dealer, contact MCU for a VIP Check auto draft. If you qualify, MCU will give you a vehicle purchase check up to your pre-approval amount. When you visit a dealer with a VIP check in hand, you’ll be in a better position to negotiate.
Get Member Savings
Enjoy a simple, no-hassle experience with low, upfront pricing in writing and an average savings of $3,383** off MSRP on new vehicles.
MCU’s Car Buying Service is provided by TRUECar. MCU is not responsible for, nor makes any representations or warranties as to, TRUECar’s products and services, its claims or its website content. TRUECar operates its program and information website (which features pricing performance, technical and safety data available for new and used vehicles) totally independent of MCU. Also, each certified dealer sets its own pricing and will confirm actual vehicle availability from in-stock inventory. Finally, please be aware that TRUECar’s website may have privacy and information security policies that are different than those of MCU.
MCU disclaims any responsibility for the content and accessibility of the third party website you are about to access. MCU does not have the ability nor any right to change or affect the content and accessibility of the third party website you are about to access.
* APR = Annual Percentage Rate. Subject to credit approval. These rates are available to well-qualified borrowers who purchase through the MCU Car Buying Service from a certified TRUECar© dealer. Some applicants will qualify at higher rates as determined by their creditworthiness. For model years 2018-2017 vehicles purchased using the MCU Car Buying Service from a certified TRUECar© dealer, your payments will consist of 60 monthly payments of $17.29 on each $1,000 borrowed at 1.45% APR. For well–qualified applicants purchasing model years 2018-2017 vehicles without using the MCU Car Buying Service, your payments will consist of 60 monthly payments of $17.51 on each $1,000 borrowed at 1.95% APR. For model year 2016 vehicles purchased using the MCU Car Buying Service from a certified TRUECar© dealer, your payments will consist of 60 monthly payments of $17.51 on each $1,000 borrowed at 1.95% APR. For well–qualified applicants purchasing model year 2016 vehicles without using the MCU Car Buying Service, your payments will consist of 60 monthly payments of $17.69 on each $1,000 borrowed at 2.35% APR. These rates are available when payroll deduction or direct deposit is selected as the method of repayment. Annual percentage rates are .50% higher if payroll deduction or direct deposit is not chosen as a method of repayment. Annual percentage rate will increase by .50% after consummation if automatic payroll deduction or direct deposit is cancelled. Competitive rates available for older models and refinances. Offer valid from 08/15/2018- 09/04/2018. Some restrictions may apply. Rates and terms are subject to change without notice. Late payment fee: $25.00. Automobile financing is only available to MCU members residing in NY, NJ, CT or PA. Membership required. Vehicle Imagery licensed from EVOX Images.
**$3,383 Average savings represents the average amount of savings off of MSRP presented to users by Certified Dealers based on user-configured new vehicles as calculated by TRUECar. Your actual savings may vary based on multiple factors including the vehicle you select, region, dealer, and applicable manufacturer incentives. The Manufacturer’s Suggested Retail Price ("MSRP") is determined by the manufacturer, and may not reflect the price at which vehicles are generally sold in the dealer’s trade area as not all vehicles are sold at MSRP. Each dealer sets its own pricing. Your actual purchase price is negotiated between you and the dealer.