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Time for a Ride That's Yours!
60 months as low as 4.99% APR*
A more comfortable way to go.
Don’t Miss Out —
Auto Savings
Exclusive rates + resources to make your car buying journey seamless.
Features & Benefits
Competitive rates and flexible terms up to 84 months No application or prepayment fees Get financing for New or Used cars
REFINANCE YOUR LOAN
Lower your monthly payment or shorten your loan
MCU CAR BUYING SERVICE POWERED by TRUECAR
Search dealer networks with Total Transparency Sell your vehicle hassle-free
GUARANTEED ASSET PROTECTION (GAP)
Optional protection Peace of mind in case your vehicle is totaled or stolen
MECHANICAL BREAKDOWN PROTECTION
Optional protection Coverage for New and Used Vehicles
AUTO INSURANCE Competitive rates with exclusive discounts for members
From Purchase to Protection—
Ride with MCU!
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Shop or Sell Your Vehicle
With the help of our partners at TrueCar®, the MCU Car Buying Service lets you quickly and easily secure financing, shop vehicles, and make final purchase decisions. Plus, when it's time to move on, you can sell your car too!
Get Insured
Protect yourself and your family from the unexpected—secure top-notch protection at an affordable price, through our partner TruStage®.
Get Peace of Mind with Debt Protection.
Debt Protection could be used to cancel your personal, or auto loan balance or payments up to the contract maximums should you experience a covered life event.
Call 844-628-6969 or visit any of our branches to get protection today.
Visit the
Auto Resource Center
Autos
Why More New Yorkers Are Choosing Cars Over Subway: The Transportation Shift
NYC car ownership surged 12.1% from 2012-2021, adding 223,500+ vehicles as New Yorkers choose cars over unreliable subway service. Discover why smart auto financing is driving this transportation revolution in 2025.
Autos
Electric vs. Hybrid vs. Gas: Which Car Should I Buy for Best Fuel Economy?
Gas vs hybrid vs electric cars: Compare fuel costs, MPG, range, and maintenance. Find the best car type for your budget and driving habits.
Autos
10 Hidden Fees to Watch Out for When Buying a Car
10 Hidden Fees for New Yorkers to Watch Out for When Buying a Car
Autos
Tips to Save Money and Negotiate Like a Pro
Smart Car Shopping in NYC: Tips to Save Money and Negotiate Like a Pro
4 Easy Steps From Application to Approval
Apply Online Today
Take the fast lane to your new car with our hassle-free online application. No fees, no fuss—just a streamlined process to get you behind the wheel in no time.
Get Pre-Approved
Lock in your rate and hit the road with confidence. Our pre-approval keeps your options open for 60 days, giving you the freedom to find the perfect ride.
Head to the Dealership
With your pre-approval in hand, it’s time to go to the dealership and find your dream car. Shop stress-free knowing your financing is locked and loaded.
Secure Your Auto Loan
Seal the deal online with digital banking, in person at your nearest MCU branch, or by calling 1-844-MCU-NYNY (1-844-628-6969) (Option 2). Our team will guide you through the final steps, ensuring a smooth purchase process.