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Auto Loans

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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 2.74% APR* - and terms
  • 1/2% discount for Active Military, Veteran or Spouse (proof of status required)
  • Fast online pre-approvals
  • FREE car buying assistance through GrooveCar and Auto Advisor

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 800-356-0067or visit a branch to get pre-qualified. [ Calculate your payment ]

Number 2 Use our FREE AUTO BUYING ASSISTANCE Services. 

  • Do your car research using GrooveCar, our smart online tool to research thousands of cars.
    [ Shop for your car]
  • Once you find the make/model you like, 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 2.74% APR* and 90 Days NO Payment**.

Apply Now button

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
  • Mechanical Repair Coverage
  • 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
  • Motorcycle, four-wheeler or even jet-ski
  • Leisure Vehicles (personal watercraft, snowmobile, off-road motorcycle, ATV, Segway)

[ Learn more ]

Auto Loans
Effective Date: Saturday, January 25th, 2020
Loan TypeAPR* as low as Loan Term in MonthsMonthly Payment per $1,000

Model Years 2020 - 2014

2.74% Up to 36 $28.97
  2.74% 37 to 48 $22.02
  2.74% 49 to 60 $17.85
  2.74% 61 to 72 $15.08
  5.14% 73 to 84 $14.20
*APR is Annual Percentage Rate. Offer not valid on current MVCU / BCU financed loans. Additional Rates and terms may apply. Offer subject to change without prior notice. The 2.74% advertised rate includes a rate discount of .25% for MVCU / BCU Free Checking or Interest Checking members. Offer applies to model years 2013 or newer with a maximum financing term of 72 months. All advertised rates and terms are subject to individual credit worthiness. Offer Valid for New and Used Auto Loans with model years 2013 or newer. Payment example does not include available 90 day no payment option. Payment example: $17.85 for 60 months per $1000.00 borrowed.
84 month term available for model years 2017 or newer with minimum loan amount of $25,000.
Model Years 2013 and Older - add 2.00% to existing rates

**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 and BCU 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.

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