Auto Loan Rates

Auto Loans

Effective Date: 07/01/2022

rates                                                                                                         

 

 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 84 mos.
APR%*

760

2.74

700-759

2.99

650-699

3.24

635-649

7.54

620-634

8.54

540-619

11.24

500-539

13.24

Under 500

N/A

                                Used Autos

   
 

2021 
and Newer

2021 
and Newer

2020- 2017 

2016
 and Older

 

Credit Score/Term up to:

6-60 mos. APR%*

61-72 mos.
APR %*

6-60 mos.
APR%*

6-48 mos.
APR%*

 

760

2.99

3.49

2.99

4.24

 

700-759

3.24

3.74

3.24

4.49

 

650-699

3.49

3.99

3.49

4.74

 

635-649

7.79

8.29

7.79

9.04

 

620-634

8.79

9.29

8.79

10.04

 

540-619

11.49

11.99

11.49

12.74

 

500-539

13.49

13.99

13.49

14.74

 

Under 500

N/A

N/A

N/A

 N/A

 

 

Apply for a loan online

*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.

 
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