New car? Check. Budget-friendly? Check. Let’s get you on the road already!
Rates as low as 3.24% APR*
It’s time for an auto loan that actually fits your budget. Whether you're looking to upgrade to a brand-new car, snag a reliable pre-owned ride to get you to work, or it’s your first car that’ll take you on new adventures, it’s time to get the show on the road. Plus, if you want to refinance your current ride or get a boat or RV for summer fun, we can help with that too!
Finance a New or Used Car
There’s nothing like the feeling of driving off in a brand-new or “new-to-you” car! And the cherry on top? You’ll snag a great rate—usually way lower than what most banks offer.
- Affordable Guaranteed Auto Protection (GAP)
- Eligible for up to 2.00% in loyalty rate discounts1
- Up to 90 days to the first payment2
Refinance Your Current Car
There could be extra cash hiding in those big bills. Give your budget a boost by refinancing your car for lower payments or to get extra cash with a cash-out refi. You could save hundreds each month and thousands over the life of the loan!
- Current MCCU Auto Loan are not eligible
- Affordable Guaranteed Auto Protection (GAP)
- Up to 90 days to the first payment2
Finance a Car for First Time Buyers
Getting your first car? That’s a big deal! The process of getting your first car loan can feel overwhelming, but we’re here to make it easy.
- No credit history required
- Eligible for up to 2.00% in loyalty rate discounts1
- Up to 60 days to the first payment2
Finance a Boat, Motorcycle or RV
Ready to hit the water or explore the country in an RV? Or No destination is too far when you have great financing backing you up. Just pack it up, and go!
- Eligible for up to 2.00% in loyalty rate discounts1
- Up to 60 days to the first payment2
- Up to 115% financing3
Disclosures
- *Annual Percentage Rate (APR) is accurate as of July 1, 2026.Rates are subject to change without notice. Rates shown reflect available rate discounts. Print Current Loan Rates (PDF
1 Up to 2.00% in rate discounts: .25% for an automatic loan payment transfer from an MCCU checking account, 1.00% for MCCU checking account direct deposit within 60 days of funding with a minimum of $1,000 per month, .25% for a new or existing Credit Card, .25% for MCCU extended warranty, and .25% for MCCU Payment Protection.
2Interest still accrues during this time.
3Boats and RVs may be financed up to 115% loan-to-value (LTV) based on credit criteria.
4Loans subject to credit approval. Rates and terms are for illustrative purposes only and are subject to change without notice and may end at any time. Members Choice Credit Union will match or beat a member's current external auto loan rate by 1%, as low as 4.99%. Proof of current rate is required. Changes to ownership and purchases do not qualify. Only select discounts apply. Existing Members Choice Credit Union auto loans are ineligible for this refinancing offer. Financing is limited to vehicles with a valid Texas title. Out-of-state titled vehicles may not be eligible. Other terms and conditions may apply. Payment example: 12 monthly payments of $85.15 per $1,000 borrowed at 4.99%.
If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships are subject to approval including credit approval.