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Home > Borrow > Vehicle Loans > Auto Loans

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! 

Flexible Borrowing

  • No Payment No Interest for 90 Days. 
  • 100% financing for new or used cars
  • Refinancing available
  • Competitive rates - as low as 1.99% APR - and terms
  • 1/2% discount for Active Miliitary, Veteran or Spouse (proof of status required)
  • Fast online pre-approvals
  • FREE car buying assistance through GrooveCar and Auto Advisor

Getting An Auto Loan through MVCU is as Easy as 1-2-3!

Number 1 Determine how much CAR and PAYMENT you can afford.  If you don't know, get pre-qualified at the nearest MVCU branch. [ 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 1.99% APR* and 90 Days NO Payment NO Interest**.

Apply Now

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 thnough 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: Thursday, October 18th, 2018
Loan TypeAPR*Loan Term in MonthsMonthly Payment per $1,000

Model Years 2018- 2012

1.99% Up to 36 $28.64
  1.99% 37 to 48 $21.69
  1.99% 49 to 60 $17.52
  3.19% 61 to 72 $15.28
New Only ($35,000 Min) 4.39% 73 to 84 $13.85
Model Years 2011 and Older - add 2.00% to existing rates
90 days No Payment No Interest for new auto loans. Commercial vehicles excluded.

*1.99% APR (Annual Percentage Rate) reflects 0.25% discount with automatic funds transfer from an MVCU account. For 60 monthly payments at 1.99% APR, the repayment amount would be $17.52 per $1,000 borrowed. No payment and no interest for 90 days offer is for auto loans only. Offer excludes commercial vehicles. Principal and interest payments deferred 90 days, with equal payments for the term of the loan thereafter. Monthly automatic payment set up is required. 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. Regular loan rates apply. Other restrictions may apply. This offer is subject to change without notice.

** No payment and no interest for 90 days offer is for auto loans only. Offer excludes commercial vehicles. Principal and interest payments deferred 90 days, with equal payments for the term of the loan thereafter. Monthly automatic payment set up is required. 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. Regular loan rates apply. Other restrictions may apply. This offer is subject to change without notice.

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