New car? Check. Budget-friendly? Check. Let’s get you on the road already!
Rates as low as 4.69% 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 .30% 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!
- Affordable Guaranteed Auto Protection (GAP)
- Eligible for up to .30% in loyalty rate discounts1
- 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 .30% 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 .30% in loyalty rate discounts1
- Up to 60 days to the first payment2
- Up to 110% financing3
Disclosures
If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships are subject to approval including credit approval.
*APR=Annual Percentage Rate.
1Interest still accrues during this time.
2Members Choice members can 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. Discounts are for first time auto buyer loan only.
3Boats and RVs may be financed up to 110% loan-to-value (LTV) based on credit criteria.
4Rates are subject to change without notice, and rates shown reflect all available rate discounts. View Loan Rates for full rate terms and disclosures. Match or Beat Your Rate: Limited time offer. Offer may end any time, and without notice. Members Credit Union will match or beat a member's current auto loan rate by 2%, not exceeding our lowest 37-60 month 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, or any other methods for documentation purposes. Changes to ownership do not qualify for program. No other discounts will apply. Existing Members Choice Credit Union auto loans are ineligible for this refinancing offer. Not eligible for purchases. Vehicles must have a Texas title. Other terms and conditions may apply.