Auto Loans
Get the Car that Works as Hard as You
When others say no, come to us! Our auto loans have all the benefits you need!
Rates as low as 4.74% APR*
Flexible Terms
Tax ID (ITIN) lending is Available
We can often finance a vehicle for you when other lenders won’t with our Cars to Work program. We understand that everyone's situation is different. Let us see if we can get you to work in a reliable car. Our auto loans are available to anyone with a TAX ID (ITIN). This means that if you do not have a social security number you do not have to worry. As long as you have an ITIN number, we can help you apply for any loan you need.
*APR = Annual Percentage Rate. Rate advertised based on a 60-month term vehicle purchase with pre-approval. Rates are also available for other terms. Rates may vary depending on each individual’s creditworthiness, history and underwriting factors. Refinances of current MCU auto loans are not eligible. Membership eligibility required. Credit terms and conditions apply. Offer is subject to change without notice. See credit union for details. Federally insured by NCUA.
Competitive Rates
With rates as low as 4.74%*, Members CU offers fair and affordable auto rates. These rates remain the same for both new and used vehicles for 2016–2022 models. And better yet, if you financed your vehicle at the dealer, made all of your payments on time, and your auto loan rate is more than 2.99%, we lower your rate by at least 1%. Click here to compare rates.
Pre Approved Loans
We will also discount 0.25% off your rate for pre-approval. Going with a pre-approval will also save time and money as well.
Need resources?
View our loan calculator to see how we can save you money on your financing, then visit Everything Automotive to learn everything about the cars that you are interested in purchasing, find the models that you are looking for, tips on how to negotiate your best price, and contact us or apply on line for pre-approval and save an additional .25% off your rate! We even offer ancillary products at a much lower cost than the dealer, including GAP, mechanical breakdown, and auto insurance.
No Credit? We Can Help!
We can often finance a vehicle for you when other lenders won’t with our Cars to Work program. We understand that everyone's situation is different. Let us see if we can get you to work in a reliable car.
Our auto loans are available to anyone with a TAX ID (ITIN). This means that if you do not have a social security number or some other immigration status in the United States you do not have to worry, we can help you apply for any loan you need.
Already have an auto loan with another lender?
Refinancing with MCU is easy and can often save you hundreds, or even thousands, of dollars in interest from your current loan while decreasing the length of the loan.
First-Time Car Buyer?
If this is your first purchase or if you had a bad experience in the past, we can guide you through the process and make it more pleasant.
More Questions?
If you have other questions be sure to reach out to us via email at dreamsprosper@memberscu.coop or give us a call or text us at 203-622-6050. Or click here to get started!
*APR = Annual Percentage Rate. Rate advertised based on a 24-month term. Rates may vary depending on each individual’s creditworthiness, history and underwriting factors. Membership eligibility required. Credit terms and conditions apply. Refinance of current MCU auto loans are not eligible. Floor rate of 2.49%. Offer is subject to change without notice. See credit union for details. Federally Insured by NCUA.
Everything Automotive
Do you know it takes the average buyer 2-3 months to choose their new or used vehicle? Now you can shop from the comfort of your own home on Everything Automotive. Compare makes and models, available vehicles and dealers. Even take a virtual test drive. Apply for your auto loan before you go to the dealer and receive .25% off of your already low MCU rate. Restrictions apply. Visit Everything Automotive today!
Enterprise Car Sales
If you are looking for a used vehicle, consider Enterprise. Through our relationship with Enterprise Car Sales you can get a great car at a great price and an additional discount off or your loan rate.