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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.
Today's Rates
New Auto Purchase
Up to 36 Months
RATES STARTING AT
4.99 %
APR(1)
Used Auto Purchase
Up to 36 Months
RATES STARTING AT
5.24 %
APR(1)(1) APR = Annual Percentage Rate (OPEN TO READ MORE)
1 APR = Annual Percentage Rate.
Rates may be higher based on applicant's creditworthiness, auto model year, loan term, loan amount and method of repayment. Rates and terms are subject to change without notice. Lien placed on vehicle. Certain restrictions apply.
Minimum loan amount of $20,000 for terms up to 72 months. Minimum loan amount of $30,000 for 84-month term.
Late payment fee: $25.00
**Additional discount available with established direct deposit to MCU Everyday Hero Checking account.
MCU membership is required.
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®.
Choose the Loan That’s Right For You
Whether you’re looking for the thrill of new car ownership, the value of a pre-owned gem, or the savvy savings of refinancing, select from auto loan options designed to fuel your journey with confidence and ease.
New Car Loan
Rev up your new-car excitement with an auto loan that fast-tracks you to the driver’s seat of your dream ride.
Used Car Loan
Cruise into ownership of a pre-owned vehicle with financing that’s as accommodating as it is affordable.
Refinanced Car Loan
Fine-tune your budget by refinancing your existing auto loan, aiming for lower payments and smarter savings.
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.
From Purchase to Protection, MCU Has You Covered.
Start your journey by finding the ideal car with MCU’s Car Buying Service—powered by our trusted partners at TrueCar®—and keep the road ahead worry-free with auto insurance from our trusted partner TruStage®.
Plan, Explore, and Buy with Confidence
Finding your dream car has never been easier. With the help of our partners at TrueCar®, our Car Buying Service lets you quickly and easily secure financing, compare vehicles, and make final purchase decisions.
Protection for the Long Haul
When life surprises you, we’re there to help. Get peace of mind knowing you and your family are protected from the unexpected—secure top-notch protection at an affordable price, through our partner TruStage®.
Get Peace of Mind with MCU Debt Protection.
In partnership with TruStage, 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.
Eligibility requirements are simple. Protected events include involuntary unemployment (certain restrictions may apply), disability, or loss of life.
