Rates as low as 4.09 % APR*
Ask us about our 1% Rate Match Program to match or beat your current auto loan**
Savings You Can See
Fast & Easy Application
We will match or beat your current rate by 1%
Looking to refinance? We will match or beat your current rate by 1% when you refinance your auto loan with us.
Apply now to get your Rate Match quote.
Limited time offer. Certain conditions apply.***
Additional Auto Loan Benefits:
Loyalty Rate Discount Options – Get up to .30% in rate discounts: .10% for an automatic loan payment transfer from an MCCU checking account, .10% for checking account direct deposit at the time of funding, .10% for a new or increased Credit Card.
- Affordable Guaranteed Asset Protection (GAP)
Switching your loan is easy and can be started online or over the phone. Apply now to get your rate quote.
Apply by Phone
FAQs about Auto Refinancing
How much can I save by refinancing my auto loan?
A lower interest rate can help you save hundreds or even thousands of dollars throughout the life of your loan repayment term. Use our Car Payment Calculator to find out what your payment options would be.
Why refinance your auto loan?
Am I likely to qualify for refinancing at a lower interest rate?
You typically need a history of on-time payments to make refinancing worthwhile and possible. The new rate you’ll qualify for depends on multiple factors, including your credit history and score.
What will happen if I extend my loan term?
Extending the length of your loan when you refinance will lower your monthly payments. Speak to our loan specialists to see if this option is best for you.
Auto Loan Resources
Auto Loan Rates
Car Payment Calculator
Enhanced Loan Calculator
Affordable Guaranteed Auto Protection (GAP)
Optional Multi-Shield Coverage
** MCCU "Match A Rate" Program
- MCCU will match and beat a member's current Auto loan rate by 1%, not exceeding our lowest rate based on a member’s credit tier.
- Proof of current rate is required
- Forms of proof include but not limited to: Online banking screen print, purchase agreement, statements any other methods for documentation purposes
- Changes to ownership do not qualify for program
- No other discounts will apply
- Not eligible for purchases
- Limited time offer