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Rates Buy vs. Lease Calculator Loan Calculator

Whether you’re buying your first car or adding extra seats, you’ll love your ride even more with an MFCU auto loan.

Key Features

  • Competitive Rates
  • Convenient Terms
  • Quick Decisions
  • Local Processing
  • Competitive rates on new* or used vehicles
  • Up to 100% financing available for qualified buyers (maximum loan amount of $75,000)
  • A wide range of terms customized to your unique situation
  • Pre-approval available for extra bargaining power at the dealership
  • Refinance your current vehicle to potentially lower your rate
  • Local decision-making and processing
  • Attentive, friendly service from start to finish
  • Apply online, over the phone, or in branch

*A new car is defined as any vehicle of the current or previous model year that has never been titled and has less than 7,500 miles on the odometer.

Protect your new investment. Maroon Financial can help you find convenient and affordable auto insurance — provided by our trusted partner, TruStage® Insurance. 

Visit to get your free quote. Or call 1-888-380-9287 to learn more.

Guaranteed Asset Protection (GAP) Coverage

GAP Plus can help fill the gap between what your vehicle insurance will pay and what you owe on your loan if your vehicle is deemed a total loss. Read more about GAP Plus and watch a video on GAP Plus here.

Mechanical Repair Coverage (MRC)

Mechanical Repair Coverage (MRC) can help you limit the cost of any covered breakdowns. You pay only the applicable deductible, if any. Read more about MRC and watch a video on MRC here.

Get a Quote for Mechanical Repair Coverage (MRC) and GAP

How do I apply for an auto loan?

It’s easy to apply for an auto loan. You can apply online, apply over the phone with one of our representatives, or come into the branch. However, you apply, you will be asked to provide copies of your latest paystubs, which can be faxed or emailed if you apply online or by phone.

How long does it take to get a loan decision?

Once we receive your application and paystubs, we normally have a 24-48 hour turn around.

What amount should I apply for?

The most convenient thing to do is to get pre-approved for the maximum amount you think you would like to finance. You are never obligated to use this full amount, but it gives you flexibility when shopping. We will finance up to 100% of the selling price of the vehicle, which is subject to our opinion of what the vehicle is worth. 

What happens once I’m approved?

After you are approved, you will know the amount you are approved for, the rate, and the terms. You are free to go to shopping for a car knowing you have already secured financing. Once you find a vehicle, you should request a “bill of sale,” an official invoice, from your dealer and fax or email it to us. After that, loan paperwork can be immediately signed in the office or electronically. Once that is done we can write a check to the dealer or even overnight funds to them.

What if I need to change the loan amount?

If you would like to increase the loan amount, please contact us. There is no problem if you need a lesser loan amount. 

What do I need to provide if I’m refinancing a vehicle loan from another finance company?

We will need to know the vehicle year, make, model, VIN, and mileage. We will also have to apply for a new vehicle title, and will add the applicable state fee to your loan amount and file the paper. 

Is there a penalty for paying the loan off early?

There is no penalty for pre-paying an auto loan.

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