Auto rates as low as 5.50% APR*
Refinance higher-rate auto loans and save
Loan terms up to 72 months
We finance RVs, campers, boats, and motorcycles too
We put you in the driver’s seat.
Whether you’re looking for a new car, new-to-you car, or just a better payment on the car you currently have, our rates are the same. Take advantage of low rates and terms that fit your lifestyle. We offer financing up to 100% of the vehicle cost including taxes, registration, extended warranties, and options. Our rates are extremely competitive, and we have flexible repayment terms to meet your needs.*
New & New-to-You Cars – Now as low as 4.99%APR!**
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! From April 14 – May 31, we’re making our rate even more competitive with rates as low as 4.99% APR.
Refinance your car for a better payment
Do you already have an auto loan with another lender? Consider refinancing your car with MMFCU we’ll work hard to beat your rate (by up to 2% APR***) and 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!
Learn more about GAP insurance
* Rates displayed are our best rates. Your rate may be higher depending on your creditworthiness. Rates displayed include a 0.25% discount for automatic payment from your MMFCU account. Special promotional rates cannot be combined with automatic payment discount. If you do not elect automatic payment, the APR will increase by 0.25%. 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. Promotional rate only applies to cars with model year 2020 or later. Rates displayed are our best rates; your rate may be higher depending on your creditworthiness. Promotional rate cannot be combined with automatic payment discount.
***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 4.75% APR. Application required to qualify. Creditworthiness factors or other qualification terms may apply.
Vehicle Loan Rates
| Term | APR as low as* | Payment per $1000 borrowed |
|---|---|---|
| 3 Year Term* | 5.50% | $30.20 |
| 4 Year Term* | 6.00% | $23.49 |
| 5 Year Term* | 6.50% | $19.57 |
| 6 Year Term* | 6.75% | $16.93 |
Estimate your monthly payment
Estimate your savings when you refinance your outside auto loan
