Smart Choices for Your Auto Needs

^{APR = Annual Percentage Rate
MCU Membership Requirement: MCU membership is required to obtain an auto loan.
Additional Rate Discount: Members may be eligible for an additional discount with an established direct deposit to their MCU Everyday Hero Checking account.
Rates & Terms: Rates may be higher based on creditworthiness, vehicle model year, loan term, loan amount, and method of repayment. Additional restrictions and limitations may apply. Not all applicants will qualify for the lowest rate and may be offered credit at higher rates based on creditworthiness. Advertised rates assume excellent credit history. Rates and terms are subject to change without notice. For the most up-to-date rates, please visit our rates page. Rates may be higher based on creditworthiness, vehicle model year, loan term, loan amount, and method of repayment.
Loan Amount & Term Limits:
Minimum loan amount of $20,000 for terms up to 72 months.
Minimum loan amount of $30,000 for an 84-month term.
New Auto Loans: Applies to vehicles that are current or previous model year with fewer than 5,000 miles.
Payment Example: A 60-month loan at 5.49% APR results in an estimated monthly payment of $19.10 per $1,000 borrowed.
Used & Refinance Auto Loans: Applies to vehicles that are 2-9 model years older than the current model year.
Payment Example: A 60-month loan at 5.74% APR results in an estimated monthly payment of $19.21 per $1,000 borrowed.
Dealership requirements: MCU will only finance vehicles purchased from franchise car dealers or the following independent dealers; TRUECar® Certified Dealers, Enterprise Car Sales, Carvana®, CarMax® or Hertz Car Sales®.
Late Payment Fee: A $25 fee will apply for late payments.
Credit Approval: All loans are subject to MCU's credit approval process
Refinancing Considerations: Extending a loan term through refinancing may reduce monthly payments but increase total interest paid over the life of the loan. Carefully evaluate any associated costs and interest obligations before refinancing.
Additional restrictions may apply.}

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