Buying a vehicle is a major purchase.
Deciding where to get your loan can be the easiest part of your decision! MountainCrest Credit Union has loans available for new or used cars and trucks. We make getting a loan easy and stress free. Before you begin shopping, check out our current loan rates as well as the products we have available to make your auto shopping easier!
Pre-Approval
We suggest getting pre-approved for your auto loan before you start looking for a vehicle. After you are pre-approved, your loan officer will give you a pre-approval letter. When shopping at the dealership, you can present the pre-approval letter to the dealer; giving you more purchasing leverage.
Get your Financing right at the dealership!
MountainCrest Credit Union participates in the Credit Union Direct Lending (CUDL) program allowing you access to hundreds of dealerships that can get your MountainCrest Credit Union loan financing approved through the CUDL automated system. Just visit a participating CUDL dealer, let them know you are a MountainCrest Credit Union member and request your loan go through the CUDL system. With this program you can get your loan 7 days a week, 365 days a year.
To find a participating CUDL dealer near you, visit cudirect.com and click on the "Dealer Locater" link.
Auto Smart
Find the vehicle of your dreams. MountainCrest Credit Union’s AutoSmart enables you to find the car or truck you’ve been searching for. It enables you to virtually build your dream car online; view the interior and exterior in 360 degree mode and search for the nearest dealership that has your car or truck in stock.
Credit Security Protection
Life is unpredictable. You may worry about unexpected, real-life events that could leave you scrambling to pay your monthly bills. Credit Security Protection can help relieve financial pressure in the event of death, accidental death, disability, involuntary unemployment, family leave, or hospitalization.
With Credit Security Protection, your loan balance will be canceled or your monthly loan payments suspended without penalty or added interest. You benefit from the peace of mind knowing you and your credit rating are protected. Get an online quote, or simply ask your loan officer for details..
GAP Coverage
When shopping for a new vehicle, consider GAP coverage. GAP, or Guaranteed Asset Protection, is a supplement to your primary insurance. When you purchase a vehicle, in the first two or three years, depreciation occurs faster than the reduction in the loan balance. If a theft or total loss occurs, your insurance company will pay only the actual cash value of your vehicle. The actual cash value may not pay off the balance of your loan. You are left with a GAP, an unpaid balance still owing your lender.
The credit union offers GAP at a significant savings over the cost of the coverage at a dealership. Get an online quote, or simply ask your loan officer. It is easy, inexpensive, and eliminates worry.
Mechanical Breakdown Protection
If you are purchasing a new or used vehicle, check out Mechanical Protection. Once your vehicle’s factory warranty is up, you could be stuck paying for costly repairs. Mechanical Repair coverage may eliminate your out of pocket expenses.
The credit union offers Mechanical Breakdown Protection at a significant savings over the cost of coverage at a dealership. Get an online quote, or simply ask your loan officer for details.
