Auto Loans
Helping You Get Behind the Wheel.
Financing to Get You Moving
Drive Your Dream with Confidence
Choosing the right vehicle is important, and so is selecting the perfect auto loan to finance it. At MC Federal Credit Union, we offer competitive auto loan rates on both new and used vehicles, designed to fit your needs and budget. Whether you’re purchasing your first car or refinancing an existing loan, we’ve got you covered with a variety of financing options!
Why Choose MC Federal for Your Auto Loan?
- Excellent Rates: Enjoy rates that consistently beat industry averages.
- Save with Refinancing: Already have an auto loan elsewhere? Ask us about refinancing options to lower your interest rate and monthly payments.
- No Prepayment Penalties: Pay off your loan early and reduce your interest without any penalties.
- Flexible Financing Options: We provide several financing plans to fit your budget and lifestyle.
- On-the-Spot Financing: Get approved quickly and easily in one of our local branches or right at select dealerships.
Apply Now and Get Started
Ready to find the right loan for your next vehicle? Apply Now and get started on your journey to a new car.
Calculate My Payment to see how affordable your new auto loan can be.
What is your car worth? Research new and used car book values, trade-in values, and more.
Great Rates
| Vehicle Loan Rates | Types | APR* as low as |
|---|---|---|
| Vehicles and Demos | New | 4.89% |
| Used | 5.79% | |
| Motorcycles/ATVs/Campers/Boats | New | 7.49% |
| Used | 7.99% | |
| *APR = Annual Percentage Rate. APR current as of 08/28/2025. Credit restrictions apply. Your rate on auto loans may vary from the rates above and will be determined by your credit history, term, and age of vehicle. A new vehicle is a current or prior year model with 5,000 or less miles. A sample New Auto Loan monthly payment based on $30,000 at 4.69% APR for 48 months is $686.79. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. MC Federal Credit Union membership is required. For current rates, fees, and other cost information, please contact MC Federal Credit Union at (800) 834-0082. | ||
MC Federal Credit Union is here to help you get the best deal on your auto loan and provide the support you need throughout the life of your loan. Drive away with confidence and savings — apply now!
Additional Benefits for Members
Auto Insurance: As a member, you may be eligible for more affordable auto insurance with Travelers Auto Insurance. Learn more about how you can save on coverage.
GAP Coverage: Protect yourself from financial loss with Guaranteed Asset Protection (GAP). This coverage helps you settle the difference between your insurance payout and your loan balance if your vehicle is totaled. Learn more about GAP coverage.
Mechanical Breakdown Protection: Enjoy peace of mind with our comprehensive protection plans. Choose from four levels of coverage to guard against costly repairs. Learn more about Mechanical Breakdown Protection.
Debt Protection: In the event of an unexpected job loss, death, or disability, Debt Protection can cancel all or part of your loan balance. This program is designed to offer a safety net when life throws you a curveball. Learn more about Debt Protection.
Need to Skip a Loan Payment? If you could use a little extra breathing room this month, download the Skip-A-Pay Request Form and return it by mail or in person at your local branch.
Questions about Auto Loans?Â
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