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See How It Works

It's easy as 1,2,3

Benefits of the MCU Car Buying Service**

Easy Loan Application Process

Complete your pre-approval online, get a quick response from application to closing. With MCU eSign, there is no need to visit a branch.

Convenient VIP Purchase Check Option

Before you visit a dealer, contact MCU for a VIP Check auto draft. If you qualify, MCU will give you a vehicle purchase check up to your pre-approval amount. When you visit a dealer with a VIP check in hand, you’ll be in a better position to negotiate.

Get Member Savings

Enjoy a simple, no-hassle experience with low, upfront pricing in writing and an average savings of $2,607*** off MSRP on new vehicles.

+Interest will accrue from the inception date of the loan. This offer does not apply to auto loans currently financed with Municipal Credit Union. Offer applies to new, used or refinanced vehicles from another financial institution.

*APR = Annual Percentage Rate. With approved credit and requires direct deposit or automatic payroll deduction as the method of repayment. Best rate available when using MCU Car Buying Service (.50% APR discount) and Auto-Pay (.50% APR discount) when direct deposit or automatic payroll deduction is utilized as the method of repayment. Discounts are reflected in the rates. The APR for auto loans will increase by .50% after consummation if automatic payroll deduction or direct deposit is cancelled. Rates may be higher based on applicant's creditworthiness, auto model year, loan term and method of repayment. Rates and terms are subject to change without notice. Certain restrictions may apply. MCU only finances vehicles purchased from a car dealer. MCU will finance vehicles purchased from franchise car dealers or the following independent dealers: TRUECar Certified Dealers, Enterprise Car Sales, Carvana, CarMax or Hertz Car Sales. Franchise dealers sell new and used cars for auto manufacturers such as Ford, General Motors, Chrysler and others. Automobile financing is only available to MCU members residing in NY, NJ, CT or PA. For example, if you choose a 48 month auto loan for model years 2020-2016, your payments will consist of 48 monthly payments of $21.82 on each $1,000 borrowed at 2.29% APR. Late payment fee: $25.00. Membership is required.

**MCU Car Buying Service is provided by TRUECar. MCU is not responsible for, nor makes any representations or warranties as to, TRUECar’s products and services, its claims or its website content. TRUECar operates its program and information website (which features pricing performance, technical and safety data available for new and used vehicles) totally independent of MCU. Also, each certified dealer sets its own pricing and will confirm actual vehicle availability from in-stock inventory. Finally, please be aware that TRUECar’s website may have privacy and information security policies that are different than those of MCU. MCU disclaims any responsibility for the content and accessibility of the third party website you are about to access. MCU does not have the ability nor any right to change or affect the content and accessibility of the third party website you are about to access.

***Between 1/1/19 and 12/31/19, the average savings off MSRP experienced by consumers who connected with a TrueCar Certified Dealer through the Municipal Credit Union Auto Buying Program and who were identified as buying a new vehicle from that Certified Dealer was $2,607. Your actual savings may vary based on multiple factors, including the vehicle you select, region, dealer, and applicable vehicle-specific manufacturer incentives, which are subject to change. The MSRP is determined by the manufacturer and may not reflect the price at which vehicles are generally sold in the dealer's trade area, as many vehicles are sold below MSRP. Each dealer sets its own pricing.

• Auto Loan Financing Steps

MCU partners with Enterprise Car Sales to offer members great deals on their next vehicle purchase. Members can purchase a used car from Enterprise and finance it through MCU.

All Enterprise Used Car Sales vehicles come with the following:

• Haggle Free Buying
• 12-Month/12,000 mile limited Powertrain warranty¹
• Vehicle Inspection
• 12 –Month Roadside Assistance²
• Free CARFAX^® Report
• 7-Day Repurchase Agreement³

Search the Enterprise Used Car Sales Inventory.

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MCU Auto Loans:

• Up to 125% financing available
• Low interest rates
• Flexible terms

Apply Now

1. MCU is not responsible for, nor makes any representations or warranties, as to the vehicles offered for sale by Enterprise, its claims, or its website content. Enterprise operates its business, including information offered on its website (which features pricing information) totally independent of MCU. Finally, please be aware that Enterprise’s website may have privacy and information security policies that are different from those of MCU. MCU disclaims any responsibility for the content and accessibility of the third party website you are about to access. MCU does not have the ability nor any right to change or affect the content and accessibility of the third party website you are about to access.
2. 1 Restrictions apply. For details see an Enterprise Car Sales Manager.
3. 2 Enterprise 12-Month Unlimited Mileage Roadside Assistance Program is provided by the American Automobile Association (AAA) and its affiliated clubs in the United States and Canada.
4. 3 Restrictions apply. For details see an Enterprise Car Sales Manager.