Limited Time Auto Refinance Offer!

A Better Way to Go

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Dream bigger and drive better with MECU Credit Union

Want to keep your auto, but need to lower your monthly payment? Trade in your auto loan from another lender and save! Interest rates as low as 1.99% APR1  and $200 cash back2!
Rates as low as 1.99% APR when you apply online1
Get $200 cash back2
Extended repayment terms

Looking for great rates on a new or used car?
MECU Auto Loan might be right for you.


Refinance and save.


MECU members saved an average of $3,956 when they refinanced their auto loan with MECU3.

  • Get $200 cash back2
  • Rates as low as 1.99% APR1
  • Extended repayment terms to keep your payments low
  • Quick, easy online application process
  • Vehicle loss protection and extended warranty protection options

Payment Protection Available

An auto loan payment protection plan can help ease your burden during challenging times by reducing your financial obligations.

Banking with MECU Credit Union in Maryland means belonging to a local financial institution that invests in the Baltimore community and offers competitive rates on auto loans and other auto lending products.

1  APR = Annual Percentage Rate. Rates current as of 08/03/2021 and are subject to change. Our lowest rate of 1.99% APR is available with excellent credit, terms up to 48 months, and includes the following discounts:  0.25% online discount and 0.25% direct payment discount. The estimated monthly payment per $1,000 borrowed at 1.99% APR with a 48-month term is $21.69. Not all members will qualify for our lowest rate. Your actual rate and payment may be different depending on collateral, mileage, model year, amount financed, repayment term, credit history and ability to repay. Other terms and conditions may apply. Subject to credit approval, membership eligibility and verification of collateral.

This limited-time offer is subject to change at any time. Online discount and cash-back rebate (see below) are available on auto loan applications submitted from 08/03/2021 through 10/08/2021, for the refinance of a non-MECU auto loan that funds within 30 days after loan approval. Offer not available on loans less than $10,000 or existing MECU auto loans.

2  If eligible, we will deposit the $200 cash-back rebate into your MECU Primary Share account within 14 days of loan funding. Other restrictions and limitations may apply.

3 Average savings is based on the average total interest members were estimated to save over the life of their new auto loan resulting from a lower interest rate and comparable repayment term (based on loans MECU refinanced from 8/28/19 – 10/14/19). Your actual savings may be different. Refinancing into a higher rate and/or longer repayment term could result in a higher monthly payment and/or more interest over the life of your loan.