New and Refinanced Auto Loans

Your Ride, Your Story

Great ride. Better rates.

No payments for 90 days1

Get up to a 0.75% rate discount2

Flexible terms up to 84 months3

Optional Extended Warranty Protection available

For a limited time, finance your auto purchase or refinance your auto loan with MECU and make no payments for 90 days.1

Plus, receive a rate discount up to 0.75%2 and choose from flexible financing terms designed to fit your budget.

Did you know you can buy smart with AutoSMARTTM?

AutoSMART is our online vehicle shopping site to help you find the best deal with the tap of a finger! With AutoSMART, you can:

  • Build, search, and compare makes and models
  • Calculate auto loan payment options
  • Find out a vehicle's fair market pricing, plus your trade-in value
  • and more!
Ready to apply for an auto loan with MECU Credit Union? 

Contact us or visit a branch in Baltimore, Maryland.

Effective Date: September 28, 2026
Repayment Terms
Fixed APR1
(as low as)
Monthly Payment2
(per $1,000 borrowed)
With Direct Payment Discount1
12 - 48 Months 4.74% $22.91
49 - 60 Months 4.99% $18.87
61 - 72 Months 5.24% $16.22
73 - 84 Months 5.99% $14.60
Effective Date: September 28, 2026
Repayment Terms
Fixed APR1
(as low as
Monthly Payment2
(per $1,000 borrowed)
With Direct Payment Discount1
12 - 48 Months 4.99% $23.02
49 - 60 Months 5.24% $18.98
61 - 72 Months 5.49% $16.33
73 - 84 Months 6.24% $14.72

Frequently Asked Questions

You can simply submit a loan application and, if approved, we'll use the new loan funds to pay off the old one.

You can submit an auto loan application without entering the details for a specific car. If qualified, we'll provide a conditional approval based on your credit, income and other factors then let you know the maximum approved loan amount. Once you find the car you want to buy, provide us with the details so we can evaluate the collateral and give a final loan decision.

Auto loan financing that fits your story

1/* Not all applicants will qualify for the 90-day deferred payment. Members must be in good standing with the credit union, with a credit score of 645 or greater. Other conditions may apply. Your first payment will be due 90 days from the date of issue. Interest will accrue on your loan during the deferral period.

2 APR = Annual Percentage Rate. This is a limited-time offer and may be rescinded at any time. Maximum permitted rate discount is 0.75% (including a 0.50% “promotional” discount and a 0.25% discount with direct payment). “Promotional” discount is available on auto loan applications for the purchase of an auto or the refinance of an existing auto loan from another lender submitted from September 29, 2026, through October 16, 2026, that funds within 30 days after loan approval. Offer not available on loans less than $10,000 or for any existing MECU loan. Your actual rate may be higher depending on collateral, amount financed, repayment term, credit history, and ability to repay. Other terms and conditions may apply. Subject to credit review, verification of collateral, and membership eligibility.

3 Estimated monthly payment per $1,000 borrowed at 4.74% APR for 72 months is $15.98. This APR is current as of September 18, 2026, and subject to change. APR includes 0.75% in total rate discounts.

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