Auto Loans

Unbeatable Rates

Flexible Terms 
up to 84 months New and Used

Repayment Options 
with Fee-Free Skip Payments

 

Let's Compare Auto Rates!

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MRFCU

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Average Rates

The following rates are the APR (Annual Percentage Rate) for New and Used Auto Loans taken from the NCUA September 2018 Average Credit Union and Bank Rates Report. The Used car rates apply for 48 month terms. The New car rates apply to 60 month terms.

New Auto

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New Auto Loans
1. MRFCU can provide Auto Loans of any value. However, the loan value cannot exceed our evaluation of the vehicle's value. Applications that exceed $50,000.00 are limited to 90% of the estimated value, and applications that exceed $100,000.00 require special approval, and may be approved with different terms. 2. The advertised rate of 2.90% APR is for a 60 months term. This lowest advertised rate will change to 3.15 % APR for 72 months, and 3.40% APR for 84 months. All lending offers are subject to a full credit history review and approval. Applicants who are not approved for advertised rates may be offered credit at a higher rate and/or different terms.

Details

   100% Vehicle Value 

   Up to an 84 Month Term 

   As low as 4.40% APR 

Sample New Vehicle Rates

60 Months

4.40%

APR

$18.60

Price per Thousand

72 Months

4.65 %

APR

$15.95

Price per Thousand

84 Months

4.90 %

APR

$14.09

Price per Thousand
More Terms Avaliable

12 Months

4.40 %

APR

$85.34

Price per Thousand

24 Months

4.40 %

APR

$43.61

Price per Thousand

36 Months

4.40 %

APR

$29.71

Price per Thousand

48 Months

4.40 %

APR

$22.76

Price per Thousand
APR=Annual Percentage Rate. Rates and terms are subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at higher rates and other terms.

Used Auto

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Used Auto Loans
1. MRFCU can provide Auto Loans of any value. However, the loan value cannot exceed our evaluation of the vehicle's value. Applications that exceed $50,000.00 are limited to 90% of the estimated value, and applications that exceed $100,000.00 require special approval, and may be approved with different terms. 2. The advertised rate of 3.15% APR is for a 60 months term. This lowest advertised rate will change to 3.40 %APR for 72 months, and 3.65 %APR for 84 months. All lending offers are subject to a full credit history review and approval. Applicants who are not approved for advertised rates may be offered credit at a higher rate and/or different terms.

Details

   100% Vehicle Value 

   Up to an 84 Month Term 

   As low as 5.15% APR 

Sample Used Vehicle Rates

60 Months

5.15 %

APR

$18.94

Price per Thousand

72 Months

5.40 %

APR

$16.30

Price per Thousand

84 Months

5.65 %

APR

$14.45

Price per Thousand
More Terms Avaliable

12 Months

5.15 %

APR

$85.68

Price per Thousand

24 Months

5.15 %

APR

$43.94

Price per Thousand

36 Months

5.15 %

APR

$30.04

Price per Thousand

48 Months

5.15 %

APR

$23.10

Price per Thousand
APR=Annual Percentage Rate. Rates and terms are subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at higher rates and other terms.

SAVE WITH US

Refinance

Use our pain-free refinancing program to Save Interest and Lower Your Rate!

Consolidate

You can even Cash-Out your car's equity to consolidate high interest debt into a Low Interest auto loan.

CONTACT US

LOCATIONS
LOCATIONS

MRFCU's Main Office is Located at:

346 Sunrise Highway
West Babylon NY 11704

 

For nationwide convenient access, find a location closer to you!
SHARED-BRANCH    |    ATMs

EMAIL US

CALL US
CALL US

Main Office:

631-661-4800 x371

 

After Hours Debit Card Support:

1-888-241-2510

Click to Learn More:

Auto Loans

MRFCU offers a range of Automobile Loans:

  1. New & Used Purchase
  2. Private or Dealer Sales
  3. Lease Buyout & Refinances
  4. Equity Cash-Outs

Learn More

Auto Loans
Personal Loans

MRFCU Whether for Vacation, Home Improvement, or Bills, our flexible personal loan program is perfect to get you the funds you need.

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Personal Loans
Debt Consolidation

Save yourself the hassle and interest payments, consolidate your high interest cards and debts into one lower-interest easy-to-manage debt consolidation loan.

Learn More

Debt Consolidation
Mortgages

Our In-House mortgage programs provide you with a diverse options of home lending, from 1st Mortgages of up to 40 year terms, home equity loans, and short term investor mortgages.

Learn More

Mortgage Loans
Student Loans

In partnership with SallieMae, MRFCU is now offering Student-Loans. Find the best option for you!

Click to Learn More

Student Loans
Boat Loans

We are happy to offer loans for Boats and Recreational Vehicles to our members! Let us help you enjoy yourself!

Learn More

Boats & RVs