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Home > Borrow > Vehicle Loans > Cash Back Auto Loan

Cash Back Auto Loan

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"They looked at my finances and helped me save on my auto loan!"

Refinance your auto loan with MVCU and save money each month with a lower payment.  

Get cash back on your auto loan!

Get $10 cash back for every $1,000 you borrow on your loan - up to $250**.

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!

More features and convenience:

  • 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 GrooveCar and 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 800-356-0067or 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 - Cash back**, Rates as low as 2.49% 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 ]

Auto Loans
Effective Date: Monday, March 1st, 2021
Loan TypeAPR* as low as Loan Term in MonthsMonthly Payment per $1,000

Model Years 2021 - 2016

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 72 $15.08
  2.74% 73 to 84 $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 2016 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.

**Cash back offer is valid for $10 per $1,000 up to $250 maximum per member for any new auto loan. Commercial vehicles excluded. Not valid for existing MVCU loans. Funds will be applied to member’s account at closing. Must meet eligibility guidelines. Application must be submitted between February 14 and March 31, 2021 to receive the offer. Applications submitted between February 1 and February 14 that have not yet closed are eligible for the cash back offer. Termination fee equal to the incentive may apply if closed within the first 12 months. Offer subject to change without notice.

***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.

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