Refinance your auto loan from another institution and receive 1% cash back and no payment for up to 90 days. Current MCCU loans do not qualify.

Whether you just need to get there on time or want to arrive in style, a low-rate MCCU auto loan can help you reach your destination on your terms. We know haggling isn't for everybody, so we simplified the car-buying process with free pre-approval — giving you the upper hand at the dealership.

Auto Details

New Auto

  • 2014 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

  • 2013 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
GAP Coverage

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.

Learn More

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

Breakdown Protection

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.