TIME FOR A RIDE THAT'S YOURS!

^*APR=Annual Percentage Rate.

Advertised “as low as” annual percentage rates (APR) assume excellent borrower credit history. Not all applicants will qualify for the lowest advertised APR. Your actual APR may differ and will be based on creditworthiness, loan amount, loan term, auto model year, and applicable underwriting criteria. Rates and terms are subject to change without notice. Lien placed on vehicle. Certain restrictions apply.

¹Displayed monthly payment amounts and payment example assume excellent borrower history with FICO score of 760+, a maximum LTV of 125% of MSRP or JD Power Retail Value, and maximum loan amount of $100,000. Displayed monthly payment amounts are precision-rounded for disclosure purposes. Repayment metrics are derived from actual amortized math factors over the maximum loan term, and rounded payment totals may vary slightly across alternative interest rate columns.

Payment Example: A $20,000.00 loan with a 36-month term at 4.99% APR will have 35 payments of $0.00 and a final payment of $0.00.

^**A 0.25% direct deposit discount is available only at the time of application.

Qualifying direct deposit must be established within 60 days of loan funding. If qualifying direct deposit is not established within 60 days, or if qualifying direct deposit is subsequently discontinued during the term of the loan, the interest rate and APR will increase by 0.25 percentage points, in accordance with the terms of the loan agreement.

Minimum loan amounts:

• $10,000 up to 60 months
• $20,000 up to 72 months
• $30,000 up to 84 months

MCU will only finance vehicles purchased from franchise car dealers or the following independent dealers: TRUECar® Certified Dealers, Carvana®, CarMax® or Hertz Car Sales®.

Loans are available to all Municipal Credit Union members. Membership is open to anyone who lives, works, worships, or attends school in NYC. A primary share account is required to establish membership. Primary share accounts are the Hero Savings Account, the Smart Apple, and the Youth Savings Account. Certain restrictions may apply.