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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!




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
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.
Get Answers to Our Most Frequently Asked Questions.
Why does pre-approval matter?
What is GAP coverage?
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?
What is MSRP?
Do Roadside Assistance personnel respond to accidents?
Does Mechanical Breakdown Protection replace car insurance?
Does Mechanical Breakdown Protection pay for repairs and maintenance?
How many times can I use my Mechanical Breakdown Protection?
Does my family get to use Mechanical Breakdown Protection?