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Auto Loans

Auto Loans

Low rates, flexible terms and car buying assistance? We have them! Before you shop for your next car, dream car or refinance the auto loan you already have – talk to us first – we have the best deal around! Merrimack Valley Credit Union (MVCU) and Bridgewater Credit Union, a division of Merrimack Valley Credit Union (BCU), are here to help you get into your new car!

Flexible Borrowing

No Payment for 90 Days**.
100% financing for new or used cars*
Refinancing available
Competitive rates - as low as 2.49% APR* - and terms
Fast online pre-approvals
FREE car buying assistance through Auto Advisor
Cars, trucks & motorcycles!

Getting Your Auto Loan as Easy as 1-2-3!

Number 1 Determine how much CAR and PAYMENT you can afford. If you don't know, call our call center at 800-356-0067 or visit a branch to get pre-qualified. [ Calculate your payment ]

Number 2 Use our FREE AUTO BUYING ASSISTANCE Service. We'll help you buy the best car at the best price through Auto Advisor [ Learn more or Contact Auto Advisor]

Number 3 Get THE BEST DEAL - Rates as low as 2.49% APR* and 90 Days NO Payment**.

Auto Insurance, Warranty and More

We also offer complete insurance coverage and protection plans for your vehicle at discounted rates.

Auto Insurance (Save up to $509 for Auto Insurance through TruStage)
GAP insurance
Extended Warranty
Credit Disability and Credit Life Insurance

[ Learn more ]

Other Vehicles

No matter what type of vehicle you fancy for recreational purposes – we can finance them.

Boats
Motorhomes, RVs, trailers
Four-wheeler or jet-ski
Leisure Vehicles (personal watercraft, snowmobile, off-road motorcycle, ATV, Segway)

[ Learn more ]

Auto Loans
Effective Date: Monday, January 24th, 2022
Loan Type	APR* as low as	Loan Term in Months	Monthly Payment per $1,000
Model Years 2022 - 2018	2.49%	Up to 36	$28.86
	2.49%	37 to 48	$21.91
	2.49%	49 to 63	$16.95
	2.74%	64 to 75	$15.08
	2.74%	76 to 87	$13.10
*APR is Annual Percentage Rate. Offers are subject to change without prior notice. Additional rates and terms are available. Advertised rate(s) available on New & Used Vehicle Loans of Model Year 2018 or Newer with a maximum loan to value (LTV) of 100% or less. Cost per thousand is calculated using the highest term in the range.

**No payment for 90 days offer is for auto loans only, commercial vehicles excluded. Payment deferred 90 days, with interest accrued during the 90 days payment deferral. For refinance of auto loans, the consumer auto loan must be refinanced from another financial institution. Not valid for existing MVCU loans. Loans subject to credit qualifications and approval. Other rates and terms available. Other restrictions may apply. This offer is subject to change without notice.