That ‘new car smell’ is just one click away—without stressing your budget!
Rates as low as 4.69% APR*
Buying a car isn’t just about finding the best price; it’s also about getting the right financing. We’ll help you find the perfect loan and payment plan that fits your budget, so you can enjoy life without feeling like car payments are taking over your wallet.
Affordable interest rates
In most cases, we can offer you better auto loan rates than many dealers and other financing options.
90 days to the first payment
Enjoy no payments for the first 90 days of your loan.**
Sick of the hassle when it comes to buying a car?
We've got you covered. Our member auto center is easy, online and ready to help you find your perfect ride. So put your feet up and let us do the heavy lifting.
New and Used Auto Loans - Rates as Low as 4.69% APR*
Our interest rates are lower than what you’ll find at most car dealerships. That means you’ll end up paying less when you finance your next new or used car.
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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) and optional Multi-Shield Coverage to protect your vehicle from minor damage.
Auto Refinancing
You’ve got the car you want; now let’s get you a lower monthly payment. Refinancing your auto loan can help cut your payments, so you have more cash in your pocket each month—perfect for things like treating yourself, saving for a vacation, or tackling other bills.
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 used auto loan.
Apply Online
Or call 281.754.1470 for questions, or to start a loan application by phone.
FAQs about Auto Loans
Can I apply for an auto loan if I haven't found the car I want yet?
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.
Visit our MCCU Member Auto Center to help you shop for a new ride and get your auto loan financed at the dealer with Members Choice.
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.
Can I refinance my car with Members Choice?
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).
What are the insurance requirements for an auto loan?
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.
Is there a pre-payment penalty on auto loans?
Members Choice does not charge a penalty for paying off auto loans before the scheduled payoff date.
Disclosures
*APR= Annual Percentage Rate. Rates are subject to change without notice, and rates shown reflect all available rate discounts. View Loan Rates for full rate terms and disclosures.
**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.