Auto Loan Rates Based on Your Credit Score
Rates are based on creditworthiness and there is a minimum credit score to qualify. Find your credit score and the associated rate.
New Autos
|
Credit Score/Term up to:
|
Up to 72 mos.
APR%*
|
Up to 84 mos.
APR%*
|
760
|
5.49
|
6.49
|
700-759
|
5.74
|
6.74
|
650-699
|
5.99
|
6.99
|
635-649
|
10.29
|
11.29
|
620-634
|
11.29
|
12.29
|
540-619
|
13.99
|
14.99
|
500-539
|
15.99
|
16.99
|
Under 500
|
N/A
|
|
Used Autos
|
| |
2022
and Newer
|
2022
and Newer
|
2021- 2018
|
2017
and Older
|
|
Credit Score/Term up to:
|
6-60 mos. APR%*
|
61-72 mos.
APR %*
|
6-60 mos.
APR%*
|
6-48 mos.
APR%*
|
|
760
|
5.74
|
6.74
|
5.74
|
6.99
|
|
700-759
|
5.99
|
6.99
|
5.99
|
7.24
|
|
650-699
|
6.24
|
7.24
|
6.24
|
7.49
|
|
635-649
|
10.54
|
11.54
|
10.54
|
11.79
|
|
620-634
|
11.54
|
12.54
|
11.54
|
12.79
|
|
540-619
|
14.24
|
15.24
|
14.24
|
15.49
|
|
500-539
|
16.24
|
17.24
|
16.24
|
17.49
|
|
Under 500
|
N/A
|
N/A
|
N/A
|
N/A
|
|
*APR: Annual Percentage Rate. Discounts for Concierge Gold and Silver members. Rates are subject to change without notice. Existing MEFCU auto loans cannot be refinanced. MEFCU membership is required. Limitations on terms apply for used auto loans based on model year. Used Auto Loans - Flexible terms available; auto loan amount up to NADA retail value. Longer terms available at higher APRs.