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Auto Loans

New and Used Auto Loans are our specialty!

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New and Used Auto Loan Rates as low as:

3.49% APR1 60 Months          

3.99% APR1 72 Months

4.79% APR1 84 Months

Take away the stress of financing a New or Used car with the most competitive rates out there. In addition to great rates, we offer flexible terms so you can get the payment you need to fit your budget. Apply now to get pre-approved to lock in your financing before you shop. Then, when you are at the dealership, you can relax, find your perfect car, and focus on getting the right car at the right price. 

Ready to get pre-approved? Apply today!   

1APR = Annual Percentage Rate. 3.49% APRs is the lowest rate available for 60 months. 3.99% APR is the lowest rate available for 72 months. 4.79% APR is the lowest rate available for 84 months. Rates shown are "as low as." Actual rates will be determined individually based creditworthiness of applicant and the term of the loan and are subject to change without notice. All loans are subject to credit approval. MCECU refinances do not apply. Financing is not available for salvaged or rebuilt titled vehicles. 

Memphis City Employees Credit Union makes it easy to purchase a new car or refinance your existing car. With competitive rates and flexible payment options, we can tailor your loan to meet your individual needs.

Get The Rate. Get The Buying Power.

We know that making sure you get the best deal when buying a car is important to you. With the help of our Auto Loan program, you can secure your auto financing needs before you even start shopping. Whether you are buying a new or used vehicle, refinancing or purchasing a lease buyout, our Loan program can meet your needs.

Our Auto Loan program offers:

  1. Competitive low Fixed Rates
  2. Extended Repayment Terms
  3. 100% Financing on both new and used autos
  4. Dedicated Loan Counselors 
  5. No Application Fees
  6. Affordable payment protection
  7. GAP at $399
  8. Mechanical Warranty Options 

Apply using your mobile device, online or call: 901.321.1200! 

Whether you're applying for a new loan or refinancing an existing loan from another financial institution, we offer great low rates and flexible payment options.

Mobile and Online Application

  • It's Fast, free and simple - you're not committed to anything unless you accept our offer.
  • Lock your rate - once your loan is approved you rate is locked for 30 days.
  • Convenient - apply 24-Hours a day 7 days a week.

Application Process

  • Submit - complete the application and submit it for processing.
  • Receive a call - one of our loan specialists will contact you.
  • Close - We offer DOCUSIGN for a secure digital closing or schedule a convenient time and location to close your loan.

*You must be at least 18 years of age or older to apply for a loan.

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Auto Values and more! Find current fair market prices.

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