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Receive 2% Cash Back when you refinance your auto loan from another institution, plus get up to 90 days before your first payment is due. Refinancing your auto loan is quick and easy and could save you hundreds of dollars over the life of your loan.

2% cash back incentive based on loan amount financed. 2% cash back incentive will be deposited to member's share account when first payment has been received. Cash back incentive is advanced on the condition that the loan remains outstanding for at least 24 months after such loan is advanced. Member agrees to repay the cash back incentive to the Credit Union in full if the loan is paid off (or is accelerated due to Member's default) within 24 months of the date of the loan, in which case the cash back incentive will be added to the outstanding loan balance and secured by all collateral granted to a Credit Union under the Disclosure and the Consumer Loan Plan. Maximum cash back incentive $1500.00.

Are you looking for a new vehicle? A low-rate MCCU auto loan can help you reach your destination on your terms. We know haggling isn't for everybody, so we have simplified the process with a free pre-approval - giving you the upper hand at the dealership.

Rates Calculator

New Auto

  • 2019 model year and newer
  • Loan to value based upon MSRP or NADA retail
  • Up to 100% financing
  • Pre-approval letter for extra purchasing power
  • Refinance your current vehicle to potentially lower your rate
  • Loan protection available
  • Quick, local decision-making and processing
  • Attentive, friendly service from start to finish

Used Auto

  • 2018 model year and older
  • Loan to value based upon NADA retail
  • Pre-approval letter for extra purchasing power
  • Refinance your current vehicle to potentially lower your rate
  • Loan protection available
  • Quick, local decision-making and processing
  • Attentive, friendly service from start to finish

Do you like getting a brand new vehicle every couple of years?  Are you looking to upgrade what you drive but are not sure if it is affordable? Would lower monthly payments fit into your budget? If your answer is "yes" then our Payment Saver loan is the loan for you.

Like a lease, our Payment Saver loan offers lower payments than conventional financing. Yet, unlike leasing, you own the vehicle and enjoy the flexibility and benefits that come with vehicle ownership.

Benefits

  • Low monthly payments, up to 40% less than conventional loans!
  • New and used vehicles up to five years old
  • Flexible loan terms up to 60 months
  • No upfront fees
  • Vehicle ownership (titled in your name)
  • Option to sell, trade, refinance or payoff at any time
  • No early payoff fees
  • Return vehicle at loan maturity and simply "walk-away"
  • Annual mileage options of 12,000, 15,000 & 18,000 available

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Calculate your payment here where you can build your car and compare payments.

When shopping for a new vehicle, consider GAP coverage. GAP, or Guaranteed Asset Protection, is a supplement to your primary insurance.

When you purchase a vehicle, in the first two or three years, depreciation occurs faster than the reduction in the loan balance. If a theft or total loss occurs, your insurance company will pay only the actual cash value of your vehicle. The actual cash value may not pay off the balance of your loan. You are left with a gap, an unpaid balance still owing your lender.

GAP coverage from MountainCrest Credit Union covers this gap with significant savings over the cost of the coverage at a dealership. The low cost can be rolled into your loan payment.

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Get an online GAP quote or simply ask your loan officer for details.

MountainCrest Credit Union's Mechanical Breakdown Protection (MBP) can provide significant savings over the life of your car or truck. Once your vehicle's factory warranty is up, you could be stuck paying for costly repairs; MBP coverage may eliminate these out-of-pocket expenses.

The credit union offers Mechanical Breakdown Protection at a significant savings over the cost of coverage at a dealership. The low cost can be rolled into your loan payment.

Learn More

Get an online quote or simply ask your loan officer for details.