Lower Auto Rates (as low as 4.99% APR)
Refinance higher-rate auto loans and save
Loan terms up to 84 months
We finance RVs, campers, boats, and motorcycles too
Finish the Year in the Driver’s Seat.
Whether you’re ready for an upgrade, need more room for the family, or simply have your eye on something new, MassMutual Federal Credit Union can help you start the new year with a new set of wheels.
For a limited time, well-qualified borrowers can take advantage of our Holiday Auto Loan Special*:
- 4.99% promotional APR*
- Fixed-rate financing
- Terms up to 72 months
- New and used vehicles, model year 2021 or newer
- No application fee
- Available November 1st through December 31st, 2026
*APR = Annual Percentage Rate. Promotional rate is available for a limited time only (11/1/26 – 12/31/26). Terms up to 72 months, subject to credit approval. Auto loan application must be received during the promotional period. Funds must be distributed within 30 days of loan approval. Rates, terms, and conditions may vary based on creditworthiness, vehicle type, and collateral. No other discounts apply. Offer may be withdrawn at any time. Credit and income requirements apply. Loan approval is based on individual creditworthiness, including credit history, income verification, and ability to repay. Federally insured by NCUA.
New & New-to-You Cars
Regardless of whether you have your eyes set on a brand-new set of wheels or one that has been around the block once or twice before, MMFCU will give you the same great rate!
Refinance your car for a better payment
Do you already have an auto loan with another lender? Consider refinancing your car with MMFCU. We will work hard to beat your rate. With lower rates, you will be able to reduce your monthly payment.
Pre-Approval
Get preapproved! Apply to get preapproved for your auto loan before you start shopping. Preapproval gives you the confidence of a cash buyer when you know your credit union has preapproved your purchase up to a certain amount. Didn’t get preapproval? That’s okay, too! From the moment you leave the dealership, you can refinance with MMFCU and get a better rate!
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Learn more about GAP insurance
* Rates displayed are our best rates. Your rate may be higher depending on your creditworthiness. Special promotional rates cannot be combined with automatic payment discount. We figure payment amounts off of the higher rate. Payment example given is based upon the term specified. Down payment may be required based upon your personal credit history. Payment amounts specified do not include amounts for taxes and insurance premiums.
**APR = Annual Percentage Rate. Current MMFCU loans are not eligible for refinance. When refinancing your outside auto loan with MMFCU: 1) The title must show MassMutual Federal Credit Union as the lien holder; 2) All necessary loan documents must be signed; 3) Must have full coverage insurance with no more than a $500 deductible on comp. and collision; 4) If you choose a loan term that is longer than the term remaining on your existing auto loan, you will pay interest over a longer period of time, resulting in the overall cost of the loan may be higher. Floor rate for refinancing is 4.99% APR. Application required to qualify. Creditworthiness factors or other qualification terms may apply.
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