Wind in your hair and money in your pocket
Buying your next vehicle is quick, easy, and affordable with Mocse. Terrific rates and flexible terms mean lower payments and more cash in your pocket. Ka-ching!
Low Rates, Fast Approval
Buy or refinance, you’ll enjoy a low, fixed rate. You’ll also be in the driver’s seat incredibly fast with our rapid approval, so buckle up.
Affordable Payments
You’ll find a payment that fits your budget by choosing a loan term up to 84 months.[1] The Mocse team can help you do the math to determine what’s best.
AutoSmart
Headed to the dealership? Know before you go with AutoSmart, Mocse’s platform to search and compare cars, lookup blue book values, and find friendly, local dealers that finance with Mocse.
Cash Out - Title Loan
Unlock the value in your car with a cash-out loan that taps into your vehicle’s equity.
Refinance Loan
Have a car loan with another lender? Don’t worry, we won’t hold it against you! In fact, we could probably save you money by refinancing that loan with us. That will make us both feel better.
Finance Extras
You want more than just a car - you want a car with bells, whistles, and cool extras. By financing up to 120% MSRP[2], you can take your car to the next level. Your neighbors are going to be so jealous!
Rates
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Let's see what your monthly payment could be.
Monthly Payment
Lower your monthly payments
If you haven’t experienced the exhilaration of refinancing your loan to a lower payment, you don’t know what you’re missing! It’s like finding free money under your floormats. When your loan is financed with another lender, you may save money by refinancing with Mocse. Make us do the math to determine how much you can save (by the way, we love doing that kind of math).
Get cash from your car
Let your car pay you, for a change. You don’t need to sell your vehicle to extract the value; you may be able to tap into the equity with a title loan. Keep your car, get some cash, and enjoy low monthly payments on financing up to 72 months[1].
The lady who assisted us was knowledgeable about the Financial transaction we wanted.
Always friendly and do their best to find the best way to help and make the customers there best serve you.
The lady who helped me had an answer for every question I had made it super easy
Just very thankful for all the help, you guys are great and wonderful, I really appreciate for your time.
3 easy steps to your loan
1. Go online
Breeze through our online application in a matter of minutes.
2. Get approved
You’ll be quickly notified about approval
3. Use funds
Purchase your car. Call your friends and tell them how much you love your credit union.
Spend less time applying, more time driving
Nobody ever said, “I can’t wait to buy my new loan!” You want your car, and you want quick financing that doesn’t get in the way. That’s why we’re here. So, let’s get you in the driver’s seat.
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APR = Annual Percentage Rate.
[1] Payment Example:
Pay $19.51 per month per $1,000 borrowed at 6.39% APR for 60 months.
Pay $16.82 per month per $1,000 borrowed at 6.53% APR for 72 months.
Pay $15.65 per month per $1,000 borrowed at 6.64% APR for 84 months.Pay $20.33 per month per $1,000 borrowed at 8.12% APR for 60 months.
Pay $17.66 per month per $1,000 borrowed at 8.25% APR for 72 months.[2] Financing information
- New car loans (never registered) finance up to 120% of manufacturer suggested retail price (MSRP) based on credit tier. Maximum loan to value is based on credit history, current underwriting and pricing guidelines. Includes DMV license fees, Mechanical Breakdown Insurance (MBI), Guaranteed Auto Protection (GAP), and Extended Warranty.
- Used car loans (2020 and newer) finance up to 120% of retail Kelley Blue Book (KBB) based on credit tier. Maximum loan to value is based on credit history, current underwriting and pricing guidelines. Includes DMV license fees, Mechanical Breakdown Insurance (MBI), Guaranteed Auto Protection (GAP), and Extended Warranty.
- Used car loans (2017 – 2019) finance up to 120% of retail Kelley Blue Book (KBB) based on credit tier. Maximum loan to value is based on credit history, current underwriting and pricing guidelines. Includes DMV license fees, Mechanical Breakdown Insurance (MBI), Guaranteed Auto Protection (GAP), and Extended Warranty.
- Contact the credit union for information regarding model years 2014 – 2015.
Rates
Auto Loans
| Loan Type | Model Year | Term | Min APR | Max APR |
|---|---|---|---|---|
|
New Auto Loan |
2023-2024 |
0-60 |
|
|
|
New Auto Loan |
2023-2024 |
61-72 |
|
|
|
New Auto Loan |
2023-2024 |
73-84 |
|
|
|
Auto "Cash Out" |
2017-2024 |
0-60 |
|
|
|
Auto "Cash Out" |
2017-2024 |
61-72 |
|
|
|
Used Auto Loan |
2020-2024 |
0-60 |
|
|
|
Used Auto Loan |
2020-2024 |
61-72 |
|
|
|
Used Auto Loan |
2020-2024 |
73-84 |
|
|
|
Used Auto Loan |
2017-2019 |
0-60 |
|
|
|
Used Auto Loan |
2017-2019 |
61-72 |
|
|
|
Used Auto Loan |
2017-2019 |
73-84 |
|
|
|
Older Used Auto |
2014-2016 |
0-60 |
|
|
Rates effective as of: November 9, 2024
APR - Annual Percentage Rate
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Rates effective as of: November 9, 2024
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