Vehicle Loans

Upcoming Holiday Hours: Branch offices will be closed Monday, Feb. 16 in observance of Presidents’ Day. Access your accounts 24/7 through MSGCU Online or Mobile Banking.

Geared for purchasing and refinancing

Loan Rates Apply

Explore our vehicle loan options

*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. Review complete rates and terms.

Shop with confidence before you buy

Don't walk into a dealership guessing what you can afford. Get pre-approved with MSGCU first. A pre-approval gives you negotiating power and quick local processing, allowing you to focus on choosing the right vehicle for your budget.

Know your budget: understand your true buying power and what fits your finances.
Negotiate better: focus on the vehicle price, not the monthly payment.

Love your ride but not your monthly payment?

If you financed your vehicle through another lender, you might be paying too much. Bring your auto loan to MSGCU, and we’ll lower your rate. That's what we call our Auto Rate Pledge.

Our refinancing options are designed to help you lower your monthly payment, reduce your interest rate, or adjust your term to better fit your current budget.

We can help you refinance:

Cars, Trucks, and SUVs
Motorcycles and Powersports
RVs and Campers
Boats and Watercraft

Protection for the road ahead

Financing your vehicle is just the start. We offer affordable protection plans to keep you covered long after you drive off the lot. Ask us about GAP (Guaranteed Asset Protection) and Mechanical Repair Coverage to safeguard your finances against unexpected bumps in the road.

Not for profit. All for members.

Members and communities are at the center of everything that we do. Anyone in Michigan can bank with us, and we’re here to help all our members reach their financial goals.

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Geared for purchasing and refinancing