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Auto Loans for New, Used, and Refinance Vehicles

Rates as low as 5.85% APR1

Get approved in minutes with fixed rates and flexible terms that lower your monthly payment.

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Always friendly and do their best to find the best way to help and make the customers there best serve you.
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The lady who helped me had an answer for every question I had made it super easy
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Just very thankful for all the help, you guys are great and wonderful, I really appreciate for your time.
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Why choose our auto loans?

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Local Fast Approval

Get quick decisions from your local credit union.

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Competitive Fixed Rates

Enjoy stability with rates that won't change over time.

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Flexible terms up to 84 Months

Choose a term that fits your budget, anywhere from 24 to 84 months.

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Comprehensive Loan Support

Whether buying new, used, or refinancing, we've got you covered.

Explore our loan options tailored to your needs

Whether you're buying, refinancing, or looking for cash, we have a path for you.

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Buying a new car

First-time buyers or upgrading
Drive off with competitive rates and terms tailored to your budget.

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Lower your payment

Current loan holders
Lower your monthly payments with refinancing options designed to save you money.

Learn more
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Get cash from your car

Owners seeking to leverage vehicle equity
Utilize your car's value for other expenses like home improvements or debt consolidation.

Learn more

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.

A better auto loan experience from start to finish

Apply in minutes, choose flexible terms, and start shopping with confidence.

Apply for an auto loan

  • APR = Annual Percentage Rate.

    [1] Payment Example:

    Pay $19.26 per month per $1,000 borrowed at 5.85% APR for 60 months.
    Pay $16.53 per month per $1,000 borrowed at 5.90% APR for 72 months.
    Pay $14.58 per month per $1,000 borrowed at 5.95% APR for 84 months.

    Pay $19.29 per month per $1,000 borrowed at 5.90% APR for 60 months.
    Pay $16.55 per month per $1,000 borrowed at 5.95% APR for 72 months.

    [2] Financing information

    1. 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.
    2. Used car loans (2021 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.
    3. Used car loans (2018 – 2020) 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.
    4. Contact the credit union for information regarding model years 2015 – 2017.

Cash Out - Title Loan

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].

Apply for an auto loan
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Auto Loan Refinance

Refinance loan

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).

Apply for an auto loan
Personal Loans feature 2

Rates

Auto Loans

Rates effective as of: March 11, 2026

APR - Annual Percentage Rate

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Rates effective as of: March 11, 2026

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