Online Banking

New and Used Auto Loans

Auto Loan Rates - APR As Low As*
Term 48 Months 60 Months 72 Months 84 Months
2022 - 2024 New or Nearly New 6.24% 6.49% 6.74% 6.99%
2020 - 2021 6.49% 6.74% 6.99%
2017 - 2019 6.74% 6.99% 7.24%
2016 & Older Used Vehicles 7.24% 7.74%
If you see a more competitive rate elsewhere, call us!

Whether you're buying a new or used car, truck, or SUV, we can help you get on the road. We offer competitive rates and quick credit approval.

  • 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 prepayment penalties
  • Competitive rates
  • Fast credit approval
  • Zero payments for 90 days
  • Ask about our immediate loan decisioning
Apply for Your Loan Now


We help make buying a car quick and easy. If you're a MUCFCU 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.


*Advertised rates current as of 4/13/2024. 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 daily change without notice.

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Ashley Erskine

Loan Officer

(513) 523-7707
Email Ashley


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Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.


Certain restrictions may apply to the products and services described above. Contact the credit union for details. MUCFCU is not an entity of Miami University.