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New or Pre-Owned Auto Loans

Drive away with more money in your pocket each month

Buying a car isn’t just about getting the best price, it’s about getting the best financing possible. We work with you to secure the right financing to help you drive away in your dream car, with lower payments and more money for you each month.
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Affordable interest rates

In most cases, we can offer you better auto loan rates than many dealers and other financing options
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Guaranteed Auto Protection (GAP)

We're here to help you get the affordable GAP coverage you need
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90 days to the first payment

Enjoy no payments for the first 90 days of your loan*

New and Pre-owned Auto Loans

With lower interest rates than most dealer options, we can help you save money on your next new or pre-owned auto purchase. 
  • 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)

Auto Refinancing

You have the car you want, now get the lower monthly payment you need. Refinancing your auto loan can reduce your monthly payment, leaving you with more money in your pockets each month. Learn more about our "switch and save" auto refinancing options.

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

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

Ready to get your auto loan started?

Our local team of loan officers can work with you to find the best options for your new or pre-owned auto loan.

Apply Online

Or call 281.754.1470 for questions, or to start a loan application by phone.

Apply in a Branch

To apply in branch, visit a branch near you.

FAQs about Auto Loans

You can apply for an auto loan and receive a pre-approval if you are still in the process of looking for your new vehicle. You can start the auto loan application process online, or visit one of our branches to talk to a loan officer in person.

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.

Yes, Members Choice offers competitive rates and refinance options for new and pre-owned autos. If you currently have your auto loan with MCCU, the fee for refinancing a current MCCU auto loan can be found on our Fee Schedule (PDF).
Full coverage insurance is required for all vehicles financed with Members Choice. Maximum $1,000 deductible. Members Choice Credit Union needs to be shown as lien holder on the vehicle.
Members Choice does not charge a penalty for paying off auto loans before the scheduled payoff date.

Auto Loan Resources

Auto Loan Rates

Check our current competitive rates for auto loans. View Loan Rates

Car Payment Calculator

Find out exactly what you need to get the payment you want. Get Your Payment

Enhanced Loan Calculator

Look at several different scenarios. Run the Numbers

Affordable Guaranteed Auto Protection (GAP)

Pays the difference between any insurance settlement and the amount owed on the loan. Learn More About GAP

Optional Multi-Shield Coverage

Protect your vehicle from minor damage. For more information, call us today at 281.398.9900 / 800.753.2428


*Interest 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 including credit approval.