Auto Loans and Recreational Vehicles

New car? Check. Budget-friendly? Check. Let’s get you on the road already!

Rates as low as 3.49% 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!

Family enjoying a car ride

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 standard rate discounts1
  • HERO Members may be eligible for additional discounts1
  • Up to 90 days to the first payment2

Group of friends smiling for a selfie

Refinance Your Current Car with

Match or Beat a Rate

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

Young driver at the wheel

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 standard rate discounts1
  • Up to 60 days to the first payment2


Family of four jumping into the water

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 standard rate discounts1
  • HERO Members may be eligible for additional discounts1
  • Up to 60 days to the first payment2





Start off with an estimated rate quote – No credit pull required

Fill out the short form below to hear from a Loan Advocate within the next business day.

 
group of people linked arm in arm outdoors

See What Our Members are Saying!

Throughout the past 36 plus years they have helped me finance numerous vehicles, boats, and also a signature loan to help me get my kids through college. They are very friendly, and respond to my phone calls or emails quickly. Great customer service!
- Alan C.

See What Our Members are Saying!

Their knowledge impressed us so much that we decided to go with MCCU for our auto loans too. If someone wants to have a WOW experience, visit MCCU.
- Nasor U.

Disclosures

*Annual Percentage Rate (APR) is accurate as of September 24, 2026.Loans are subject to credit approval. Rates are subject to change without notice. Rate shown is for a new or used auto for 12-36 months and includes standard rate discounts. HERO Members may be eligible for additional discounts. Payment example:  12 monthly payments of $84.92 per $1,000 borrowed at 3.49%. For used vehicles with mileage above 50,000, a rate increase of .50% will apply. For used vehicles with mileage above 100,000, a rate increase of 1.00% will apply.  We offer terms up to 84 months.  View Consumer Loan Rates.
Financing is limited to vehicles with a valid Texas title. Out-of-state titled vehicles may not be eligible.  

1 Up to 2.00% in standard rate discounts available: .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.  HERO Members may be eligible for additional discounts.

 

2Interest still accrues during this time.
 
If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships are subject to approval.