Limited-Time Offer!

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Auto loan rates as low as 1.74% APR1 and no monthly payments for 90 days3

For a limited time, apply online to buy an auto or refinance an auto loan and get a discounted rate during our Auto Flash Sale.

This season, support your local community by shopping for your car at a local dealer!



Rates as low as 1.74% APR when you apply online1
No monthly payments for 90 days3
Save up to 0.75% off your loan rate1
New & Used Auto Rates
Rates as of: 11.30.21
New / Used / Refinance
Repayment Terms Fixed APR1
(as low as)
Monthly Payment2
(per $1,000 borrowed)
10% Down Payment Options– New & Used Only. Includes a 0.25% discount with direct payment, a 0.25% discount with a down payment of at least a 10%, and a 0.25% limited-time ONLINE3 discount.
12 - 48 Months 1.74% $21.58
49 - 60 Months 1.99% $17.52
61 - 72 Months 2.24% $14.86
73 - 84 Months 2.49% $12.98
0% Down Payment Option – New, Used & Refinance. Includes a 0.25% discount with direct payment and a 0.25% limited-time ONLINE3 discount.
12 - 48 Months 1.99% $21.69
49 - 60 Months 2.24% $17.63
61 - 72 Months 2.49% $15.97
73 - 84 Months 2.74% $13.10

MECU offers GAP Plus Coverage!

Inflated auto prices could mean an inflated loan – the exact thing GAP Plus coverage is designed to protect.

1 APR - Annual Percentage Rate. While this page is updated regularly, rates are subject to change. The auto loan rates listed above reflect our lowest available rate for each repayment tier, including a 0.25% rate discount for automatic payment. Refinance rates available only for loans refinanced from another lender. Refinances are not eligible for our 0.25% down payment discount. Your actual rate may be higher depending on down payment, collateral, 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. MECU reserves the right to change or rescind this offer at any time. Our lowest rate of 1.74% APR requires a maximum repayment term of 48 months and includes a 0.25% “online” rate discount, a 0.25% rate discount with automatic payment, and a 0.25% rate discount with a down payment of at least 10% (available on purchase loans only). Not all applicants will qualify for our lowest available rate. The estimated monthly payment at 1.74% APR with a 48-month repayment term is $21.58 per each $1,000 borrowed. Online discount and 90-day payment deferral is available on auto loan applications submitted online from 11/09/2021 through 12/03/2021, for the purchase of a new or used auto or 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 Monthly payment is per each $1,000 borrowed at the maximum stated repayment term. 
3 Not all applicants will qualify for the 90-day deferred payment. Your first payment will be due 90 days from the date of issue. Interest will accrue on your loan during this time.