Auto Loans
Receive 2% Cash Back when you refinance your auto loan from another institution, plus get up to 90 days before your first payment is due. Refinancing your auto loan is quick and easy and could save you hundreds of dollars over the life of your loan.
2% cash back incentive based on loan amount financed. 2% cash back incentive will be deposited to member's share account when first payment has been received. Cash back incentive is advanced on the condition that the loan remains outstanding for at least 24 months after such loan is advanced. Member agrees to repay the cash back incentive to the Credit Union in full if the loan is paid off (or is accelerated due to Member's default) within 24 months of the date of the loan, in which case the cash back incentive will be added to the outstanding loan balance and secured by all collateral granted to a Credit Union under the Disclosure and the Consumer Loan Plan. Maximum cash back incentive $1500.00.
Are you looking for a new vehicle? A low-rate MCCU auto loan can help you reach your destination on your terms. We know haggling isn't for everybody, so we have simplified the process with a free pre-approval - giving you the upper hand at the dealership.
Find your perfect car online without going to the dealership. You can search thousands of new and used vehicles using AutoSMART. AutoSMART is a vehicle-shopping marketplace where you can research and shop for new and used cars and trucks and apply for a loan pre-approval from MCCU.
New Auto
- 2022 model year and newer
- Loan to value based upon MSRP or NADA retail
- Up to 100% financing
- Pre-approval letter for extra purchasing power
- Refinance your current vehicle to potentially lower your rate
- Loan protection available
- Quick, local decision-making and processing
- Attentive, friendly service from start to finish
Used Auto
- 2021 model year and older
- Loan to value based upon NADA retail
- Pre-approval letter for extra purchasing power
- Refinance your current vehicle to potentially lower your rate
- Loan protection available
- Quick, local decision-making and processing
- Attentive, friendly service from start to finish
- Free CARFAX when you finance your loan with us
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.
GAP coverage from MountainCrest Credit Union covers this gap with significant savings over the cost of the coverage at a dealership. The low cost can be rolled into your loan payment.
Depreciation Protection Coverage (DPW) may be something you want to purchase if you have financed less than 90% of the worth of your vehicle and have established equity in your vehicle.
DPW covers the depreciation of your vehicle. It is a debt cancellation product that is in the event of a total loss or unrecovered theft that provides a benefit equal to the difference between the MSRP or J.D. Power value of the vehicle at the time of coverage enrollment and the loan balance at the time of the loan loss. Most cars and trucks valued under $75K are eligible for this product.
Learn More
Get an online quote or simply ask your loan officer for details.
MountainCrest Credit Union's Mechanical Breakdown Protection (MBP) can provide significant savings over the life of your car or truck. Once your vehicle's factory warranty is up, you could be stuck paying for costly repairs; MBP coverage may eliminate these out-of-pocket expenses.
The credit union offers Mechanical Breakdown Protection at a significant savings over the cost of coverage at a dealership. The low cost can be rolled into your loan payment.
Learn More
Get an online quote or simply ask your loan officer for details.
See all your options with AutoSMART
The AutoSMART website is here to make your car-purchasing process easier before even setting foot on the lot. Use it to help you find your next vehicle by:
- Browsing local dealer inventory to check availability in your area
- Building your dream ride with your must-have specs and upgrades
- Determining your current vehicle’s trade-in value
- Shopping by payment amount or purchase price
- Researching everything from safety features, specs and engine details, to trims, colors and more.
