Auto Loans - Merrimack Valley CU
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Auto & Personal Mortgage & Home Equity Undergraduate, Graduate, & Refi Commercial Loans & Lines Former RTN Members

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Home / Borrow / Auto Loans
auto loan, auto, new car, refi, financing,

I got $200 cash back on my auto loan!

Apply Today

auto loan, auto, new car, refi, financing,

I got $200 cash back on my auto loan!

Apply Today

Auto Loans

The best ride for your best life

Limited time Auto Loan offer

Up to $200 cash back on your next auto loan, PLUS 90 days no payment!

Offer expires on October 31, 2023.  

Apply Today


The financing you need to get the car you love

New, Used or Refi

  • 100% financing for new & used cars*
  • Rates as low as 5.99% APR*
  • Terms up to 87 months*
  • Fast online pre-approvals & instant decision
  • No Payment for 90 days**
  • Comes with the Take-Back feature (with some exceptions)
  • Close from the comfort of your own home with DocuSign

Apply Now  Check Auto Rates*


Looking for a vehicle that isn't a car? We got your back.

If a boat, motorhome, trailer or camper meets your recreational needs—we can help you with low rates and flexible repayment terms.

Large vehicles

  • Boats (up to 24 feet), motorhomes, trailers, campers
  • Borrow up to 100% of Invoice or NADA value
  • Finance up to 123 months for boats & 144 months for recreational+
  • Rates as low as 8.24% APR*
  • Purchase or refinance
  • Close from the comfort of your own home with DocuSign

Small vehicles

  • Motorcycle, four-wheeler, ATV, jet ski, Segway (!)
  • Borrow up to 100% of Invoice or NADA value Finance up to 75 months 
  • Up to 6-year term for Leisure Vehicles (Motorcycles, ATVs, Jet Ski, Snowmobiles)*+
  • Purchase or Refinance
  • Close from the comfort of your own home with DocuSign

Apply Now   Boat & RV Rates+   Leisure Vehicle Rates*+

MVCU, Take-Back, Take Back, Auto Loan, Personal Loan

Take control with the Take-Back Loan!

  • Access the extra money you've paid at any time with Take-Backs
  • Manage your loan 24/7 with a personal dashboard
  • Enjoy a fixed rate and convenient term
  • Pay extra to shorten your term and save on interest
  • Keep the same rate & term - no matter what

See how it works!


Calculate Your Car Payment

Your monthly payment is only...
354.86 for 5 years
Apply Now

car buying, car, help, mvcu, auto, auto loan

Car buying made easy with Auto Advisor!

Skip the hassle! Let Auto Advisor find your next car!

  • Your Advisor finds the car you're looking for at the best price
  • They arrange your test drive within their Authorized Network of Dealers
  • Skip the haggling! Your Auto Advisor negotiates for you
  • Save an average of $2,500 when you work with an Advisor!

Contact Auto Advisor

Protect your investment 

Auto Insurance

  • Enjoy discounted rates on car insurance
  • Easily pay your bill, make policy changes, or report a claim: All online!
  • File your claim 24/7: When you need help, it's available

Get Started Today

Guaranteed Asset Protection (GAP) Plus

  • Close the GAP between what you paid and your car's depreciation
  • Ensure your loss is covered if you're in an accident or your car is stolen
  • PLUS: get an extra $1,000 toward your down payment of a replacement car!

Contact Us

Debt Protection

  • Protect your loan balance against death, disability, or involuntary unemployment
  • Coverage could cancel your loan balance or payment up to contract maximums

Contact Your Loan Originator

Extended Warranty

  • Be ready if your car breaks down
  • Comprehensive mechanical breakdown coverage for all makes & models
  • Skip the deductible on covered parts or labor

Contact Us

Insurance is not insured by NCUA, Not Credit Union Guaranteed, Not Credit Union Deposits or Obligations, May Lose Value.  

MVCU, Skip A Pay, Skip Payment, auto loan, personal loan

Give yourself a little gift with Skip-A-Pay!

Skip up to one (1) loan payment per year per qualifying loan*... and YOU pick the month you want to skip!

  • Login to Online or Mobile Banking.  Select "Skip-A-Pay" from the Transfers dropdown.  
  • Select the eligible loan that you'd like to skip and follow the instructions.
  • There is a fee of $30.00 per loan per month skipped.
  • Offer applicable on Consumer closed-end loans only: Auto, Motorcycle, and/or Personal loans.

Don't have Online Banking?  Visit a branch or call us at 800-356-0067 today!  

An Easy Way to Make Your Loan Payment

Online Banking makes payments easy!

  • Use the Transfers Widget on Online banking or in the app
  • Make regular payments, extra payments, or principal only payments
  • Put your payments on Auto Pilot! Just change the frequency from “one time” to “monthly” and your payment will be made automatically!
  • Add an external account for payments in Online & Mobile Banking

Set up your Transfers today!

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