Auto Loans

Members Credit Union has the loan to get you in the vehicle you want. We offer competitive rates and terms to meet your needs. There are no application fees for vehicle loans. We provide 100% financing with $0 down based on the value of the vehicle. Why should you pay a higher rate if you can get a lower rate?


NEW VEHICLES

Check out the great GM programs from Invest In America! Save Hundreds, even Thousands, with GM's Preferred Pricing and Most Current Incentives!

New Auto Rates
Model YearAPR* as low asMaximum Term

2013 & Newer **

2.75% 48 Months

2013 & Newer **

3.25% 72 Months

2013 & Newer **
Loan Amount:
$20,000 or greater


4.25% 84 Months

* Annual Percentage Rate - As low as rate offered is based on credit worthiness factors
  Lowest rate inclusive of all discount programs

** Borrower is first titled owner

Before you buy your next vehicle, get a Members Credit Union free pre-approval. Know what you can afford before you begin shopping. Avoid the financing hassles of purchasing a new auto.

If you are buying from an auto dealership, request your auto financing through Members Credit Union. We have great relationships with area dealers and they can send your application directly to Members Credit Union.

We offer competitive new auto rates. Our loan process is easy and we have flexible terms to meet your budget.

Auto Value

    


USED VEHICLES

Used vehicles offer a great savings for our members. Members Credit Union has competitive used auto rates that can put you behind the wheel of a vehicle today!

Remember, no applications fees and free pre-approvals can help you take the mystery out of financing your vehicle.

Used Auto Rates
Model YearAPR* as low asMaximum Term

2009 or newer

3.25% 60 Months

2009 or newer

3.75% 72 Months

2008 or older

4.50% 48 Months

* Annual Percentage Rate - As low as rate offered is based on credit worthiness factors
  Lowest rate inclusive of all discount programs

Auto Value

     


REFINANCING VEHICLE LOANS

Refinancing your auto loan with Members Credit Union may be the best financial decision you've made in a long time! We have two refinancing options for you.

Option #1
Refinance a recently purchased auto and receive a new auto rate

Requirements for option #1:

  • You must be first owner (first titled)
  • Auto must have less than 15,000 odometer miles
  • Loan must be greater than $15,000

Option #2
Refinance a used auto at competitive rate and terms

Consider these questions before you refinance...

Should I refinance my auto loan? Each situation is different so here are some ideas on the best way to decide.

  • You want to lower your monthly auto loan payment
  • You want a lower auto loan rate
  • Your credit score has improved since you first financed your auto
  • You need extra cash for an emergency
  • Your expenses have risen, but your income has stayed the same
  • You need to consolidate your bills
  • Your lease is expiring and you want to purchase the auto

What are the benefits of refinancing my auto?

  • Lower monthly payment
  • Improved cash flow
  • Reduced loan rate
  • Consolidate high interest debt to a lower rate auto loan

How do I begin the refinance process?


DEALERSHIP LENDING PROGRAM

If you are buying from an auto dealership, request your auto financing through Members Credit Union. We have great relationships with area dealers and they can send your application directly to Members Credit Union.

Contact our Lending Center at: (231)929-2010 or (800)765-0113

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Northwest Michigan's Largest Credit Union