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New or Pre-Owned

We’ve got resources for all of your auto buying needs.

At Members Choice, not only will you find an awesome deal on an auto loan, we’ll also give you advice and care that you deserve when it comes to making a major purchase like an auto, boat, RV or airplane. We offer both new and pre-owned financing options to help make your purchase affordable.

Vehicle Loan Features & Benefits:

  • Affordable Rates
  • Up to 100% Financing
  • Flexible and Extended Repayment Terms
  • Easy Loan Application
  • Fast Loan Approvals
  • Affordable, optional add-on warranties and services

NEW! First Time Buyers Program

Is your car older than you? Are you 18 and make $1,500 monthly? Want a car from this decade? While some are asked to jump through hoops when buying their first new car, why not cruise past them in yours with an auto loan from Members Choice? Our First Time Car Buyers Program is ready to put you behind the wheel of your new car, so you can cruise in style.

*Cars and Trucks only. Motorcycles, Boats, RV and ATV’s do not qualify for this program. Borrowers must be at least 18 years of age. Must be employed for a minimum of 6 months at current employer. Minimum gross monthly income of $1500 (proof of income required). Payment may not exceed 20% of gross monthly income. 2010 or newer year models only and less than 75,000 miles. Maximum Loan to Value 90% of Retail, with a minimum of tax, title & license cash down payment. Must have never financed a vehicle, or may refinance an existing vehicle loan that has been opened within the last 12 months. No derogatory credit. Proof of income required. Proof of insurance required at time of purchase. Members Choice Credit Union membership savings and active checking account required. Term not to exceed 60 months including coverage benefits that include GAP, Multi-Shield and Warranties. 


We’re a little obsessive about fueling our members with helpful tips and resources that will help you save time and money. That’s why we partnered with AutoSMART.

AutoSMART Features & Benefits:

  • Research vehicle options
  • Get Trade-in Values
  • Explore dealer specials & events
  • Get buying tips
  • Sell your vehicle
  • Find a dealer who has your vehicle in your area & more…

SmartChoice: Lease-Like Financing

If you’re interested in leasing your next auto, we offer SmartChoice, a lease-like financing plan that lowers your monthly payments as much as 40%. At the end of the loan term, you can trade, sell, refinance or simply return the vehicle. The choice is yours. Click here or call us to see if this program is right for you.

Affordable Loan Enhancement Options

Members Choice offers additional options for your loan that add value and protect your vehicle. Click on each service for a description.


Apply online for your MCCU Auto Loan, or visit any Members Choice branch location.

Members Choice Credit Union