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LIMITED TIME OFFER

Summer Savings Event

60 Months as low as 5.24%
Buy, Finance, Refinance, Insure—We’re Here for It!

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Shift Into Drive with MCU.

Explore resources designed to make every step of the process seamless—because convenience is key, and time is money.

Features & Benefits

AUTO LOANS

Icon-Check-Blue-Desktop Competitive rates and flexible terms up to 84 months
Icon-Check-Blue-Desktop No application or prepayment fees
Icon-Check-Blue-Desktop Get financing for New or Used cars

REFINANCE YOUR LOAN

Icon-Check-Blue-Desktop Lower your monthly payment or shorten your loan

MCU CAR BUYING SERVICE POWERED by TRUECAR

Icon-Check-Blue-Desktop Search dealer networks with Total Transparency
Icon-Check-Blue-Desktop Sell your vehicle hassle-free

GUARANTEED ASSET PROTECTION (GAP)

Icon-Check-Blue-Desktop Optional protection
Icon-Check-Blue-Desktop Peace of mind in case your vehicle is totaled or stolen

MECHANICAL BREAKDOWN PROTECTION

Icon-Check-Blue-Desktop Optional protection
Icon-Check-Blue-Desktop Coverage for New and Used Vehicles

AUTO INSURANCE

Icon-Check-Blue-Desktop Competitive rates with exclusive discounts for members

From Purchase to Protection—
Ride with MCU!

Get transparent pricing with the MCU Car Buying Service ...then hit the road with trusted insurance options.
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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!

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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.

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Visit the
Auto Resource Center

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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.

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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.

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Best Times to Buy a Car and Save Big

Best Times to Buy a Car and Save Big

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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

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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

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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.

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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.

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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.

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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.

Get Answers to Our Most Frequently Asked Questions.

Why does pre-approval matter?

Getting pre-approved for an auto loan shows you the amount that you’re approved for before you go in to purchase a new vehicle, helping you set a manageable budget for your new car purchase. Having this information beforehand empowers you to make smart spending decisions and gives you greater buying power at the dealership to help you save money.

What is GAP coverage?

Guaranteed Asset Protection (GAP) s a voluntary, non-insurance product designed to waive the remaining loan balance not 
covered by the borrower's primary insurance carrier settlement in the event of a total loss or unrecovered theft, subject to 
limitations and exclusions, including but not limited to loan-to-value (LTV) maximum, delinquent payments, late charges, 
refundable service warranty contracts and other insurance related charges. 

GAP covers the difference between the borrower’s outstanding loan balance and the actual cash value (ACV) of the vehicle up to the maximum LTV%. 

How does the MCU Car Buying Service work?

The MCU Car Buying Service is provided through a partnership with TrueCar®. You can use the service to find a new or used vehicle, apply for financing and make a purchase all within a single process. Learn more here.

What is MSRP?

MSRP stands for Manufacturer’s Suggested Retail Price. It is the price that the specific car manufacturer recommends the vehicle should be sold for. While this price does influence the final cost of the car, depending on certain scenarios the price may end up being higher or lower than this recommended amount.

Do Roadside Assistance personnel respond to accidents?

In the case of a serious accident, you should call 911 or other emergency responders. Roadside Assistance personnel can tow your car from the scene of an accident, or assist you if you get a flat tire or run out of gas before you can fill up your tank.

Does Mechanical Breakdown Protection replace car insurance?

No, Mechanical Breakdown Protection can cover mechanical issues that are typically not covered by regular car insurance.  MBP helps to protect you from unexpected repair costs, increasing the resale value, and providing peace of mind if a breakdown does occur.

Does Mechanical Breakdown Protection pay for repairs and maintenance?

While Mechanical Breakdown Protection does not cover routine maintenance, it will cover many types of repairs that your vehicle might need.

How many times can I use my Mechanical Breakdown Protection?

You can use your Mechanical Breakdown Protection as many times as you need, as long as you are within a set number of years and number of miles on your vehicle.

Does my family get to use Mechanical Breakdown Protection?

Yes! Since Mechanical Breakdown Protection covers the vehicle itself, anyone who drives that vehicle can use the policy to pay for covered repairs.

Driving Community Success for our Members.

No matter where you are in life or what goals you’re working toward, MCU is ready to assist you with educational resources, reliable banking products, and personalized service designed to help you create an exceptional financial future.

Join Now
Why Join?
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