Vehicle Loans

Your next vehicle loan is with MUCCU.

Whether you're picking up your kids from school, hauling equipment, or driving to work, we can help you get on the road. We offer competitive rates and quick credit approval. Apply now to start your next journey.

Auto Loan Rates - APR As Low As*

Term
48 Months
60 Months
72 Months
84 Months
2023 - 2025 New or Nearly New
6.24%
6.49%
6.74%
6.99%
2021-2022
6.49%
6.74%
6.99%
-
2018-2020
6.74%
6.99%
7.24%
-
2017 & older vehicles
7.24%
7.74%
-
-

*Advertised rates current as of 5/21/25. The Annual Percentage Rates (APRs) listed above are minimum rates reflecting the highest credit rating, along with a .35% rate discount for Payroll Deduction and Automatic Loan Payments. The rate you pay will be based on individual credit history, account relationships, and the term of the loan. Maximum rate on any loan is 18.00%. Certain credit restrictions apply. Subject to a Loan Processing fee of $95.00 for secured loans, $85.00 for unsecured loans. Fees may be assessed for late payment; for a complete list of possible fees, see the fees page. Rates, terms, conditions, and product components are subject to change without notice.

New and used auto loans.

  • Loan up to 115% full NADA retail value plus tax & title
  • Up to a 7-year repayment
  • GAP insurance available for a super low $399
  • Absolutely no repayment penalties
  • Competitive rates
  • Fast credit approval
  • Zero payments for 90 days
  • Ask about our immediate loan decisioning

We help make buying a car quick and easy. If you're a MUCCU member, your loan can be processed 100% online -- you never have to set foot in the credit union! Not yet a member?

Click here to start the process of opening an account.

Boat, Motorcycle, RV and Other Vehicle Loans

Looking to finance your next adventure? We offer some of the most competitive rates on loans for boats, motorcycles, and RVs. Whether you're cruising on the water, exploring the open road, or camping under the stars, we’ve got you covered.

  • Borrow up to 100% of the full retail value plus tax and title on most qualifying vehicles
  • Up to 10 year repayment
  • Zero payments for 90 days
  • Competitive rates
  • Fast credit approval**
  • Absolutely no prepayment penalties
  • Ask about our Immediate Loan Decisioning

Boat, Camper and RV Loan Rates

Term
60 Months
120 Months
New
8.99%
9.99%
Used
9.24%
10.24%

Motorcycles Loan Rates

Term
60 Months
72 Months
New
7.99%
8.49%
Used
10.99%
-

ATV Loan Rates

Term
48 Months
60 Months
New
Used
11.24%
11.24%
11.99%
11.99%

Farm and Lawn Tractors Loan Rates

Term
60 Months
120 Months
New or Used
11.99%
11.99%
Contact a loan officer today to start your Vehicle Loan application. (513) 523-8888