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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.

Rates Calculator

New Auto

  • 2016 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

  • 2015 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

Learn More

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.