Shift your car-shopping into overdrive

We can even pre-approve your loan, giving you added negotiating power at the dealership. And after you close the deal, Michigan Schools and Government Credit Union can help you protect your investment. GAP insurance can help pay off your loan if your vehicle is stolen and not recovered, or totaled in an accident. Another option is Mechanical Repair Coverage. For more information and a quote, call 866-674-2848.

Thinking about refinancing your vehicle? Bring us your auto loan, and we'll bring you our best rate. It's our Auto Rate Pledge to you.

With auto loan rates well below the national average, we can help you get the most car for your money. Turn to MSGCU for your next auto purchase—we’re your financial champion.

Car Loan, Truck Loan, or SUV Loan
Model YearsAPR* as low as
2016 & Newer 3.74%
2011 to 2015 4.74%
2010 & Older 6.99%

Example: A loan amount of $30,000 with a rate as low as 3.74% APR for 60 months would have an approximate monthly payment of $549.00.

*APR=Annual Percentage Rate. Offer requires Automatic Loan Payment transfer. Loan terms up to 84 months, depending on model year. APR may be higher, based on term of loan, credit score, collateral, and loan to value. New money only. Rates are subject to change at any time. Same-day approval on most vehicle applications. Contact Member Service Representative for more details.

icon: stopwatch showing 5 minutes Interested in learning more about car loans? Check out this 5-minute lesson.


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*$100 offer available September 12, 2022 through November 30, 2022. Eligible loans must be closed by January 26, 2023. Subject to credit approval. APR may be higher, based on term of loan, credit score, collateral, and loan to value. Eligible loans include new or used purchase, refinance from another lender, and refinance existing MSGCU loans with an increased balance of $5,000 or more. Applies to loans originated at an MSGCU branch, call center, or online.
‡Edmunds 2022: Record Share of New-Car Shoppers Jumped Into a $1,000+ Monthly Payment in June;