Refinance your auto loan with MSGCU and we’ll lower your rate. It’s that simple.

Plus, for a limited time get an extra $100** on Auto Loans of $5,000 or more.

  • 0.25% rate discount or our best rate when you refinance your non-MSGCU auto loan
  • We’ll help you check your rate and see how much you can save
  • Apply online, or our Team Members are here to assist you, whichever is easier for you
  • No application fee

Example: A loan amount of $15,000 at 2.24% APR for 60 months would have an approximate monthly payment of $264.51. APR=Annual Percentage Rate. Discount of 0.25% off current rate available on auto loans currently held with another financial institution. Discounted rate cannot be lower than MSGCU cost of funds. All loans subject to approval. APR may be higher, based on term of loan, credit score, collateral, and loan to value. MSGCU as low as rate requires Automatic Loan Payment transfer. Current MSGCU auto loans not eligible. Loan terms up to 84 months, depending on model year. 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.



Get an extra $100** on Auto Loans of $5,000 or more.

Apply Online


*$100 Cash Back Loan Incentive

Promotion Timeframe:

The promotion will begin August 3, 2020 and run through November 30, 2020. Loan applications must be completed by November 30, 2020 and closed by January 20, 2021.

Eligible loans include:

  • New Auto
  • Used Auto
  • Unsecured (fixed)
  • College Degree New Auto
  • College Degree Used Auto
  • New RV
  • New Boat
  • New Motorcycle
  • New Power Sport
  • Used RV
  • Used Boat
  • Used Motorcycle
  • Used Power Sport
  • Home Equity (1st Lien Closed End)**

Minimum $5,000 new money (or additional equity for existing direct MSGCU loans).
Excludes MSGCU loans that were financed through a dealer and loans that already received an incentive during this campaign. Loans subject to credit qualifications and approval.

** Minimum $10,000 for Home Equity Term Loans. Michigan properties only. Equal housing lender

$100 Incentive:

The $100 incentive may be earned on more than one qualifying loan, provided that the loan minimum is met on each individual loan with specific purpose and a promotional incentive has not already been earned on that loan. Loan must remain open for 6 months. 

Tax Information:

The incentive cash payment ($100) is considered interest and will be reported on IRS Form 1099-INT, to federal, state, and local tax authorities, if required by applicable law, and the member is responsible for any taxes due.

For loan terms, rates and calculations, click here.