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Auto Loans

Wind in your hair and money in your pocket

Buying your next vehicle is quick, easy, and affordable with Mocse. Terrific rates and flexible terms mean lower payments and more cash in your pocket. Ka-ching!

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Low Rates, Fast Approval

Buy or refinance, you’ll enjoy a low, fixed rate. You’ll also be in the driver’s seat incredibly fast with our rapid approval, so buckle up.

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Affordable Payments

You’ll find a payment that fits your budget by choosing a loan term up to 84 months.[1] The Mocse team can help you do the math to determine what’s best.

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AutoSmart

Headed to the dealership? Know before you go with AutoSmart, Mocse’s platform to search and compare cars, lookup blue book values, and find friendly, local dealers that finance with Mocse.

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Cash Out - Title Loan

Unlock the value in your car with a cash-out loan that taps into your vehicle’s equity.

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Refinance Loan

Have a car loan with another lender? Don’t worry, we won’t hold it against you! In fact, we could probably save you money by refinancing that loan with us. That will make us both feel better.

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Finance Extras

You want more than just a car - you want a car with bells, whistles, and cool extras. By financing up to 120% MSRP[2], you can take your car to the next level. Your neighbors are going to be so jealous!

Rates

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As low as 6.39 % APR*

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Refinance loan

Lower your monthly payments

If you haven’t experienced the exhilaration of refinancing your loan to a lower payment, you don’t know what you’re missing! It’s like finding free money under your floormats. When your loan is financed with another lender, you may save money by refinancing with Mocse. Make us do the math to determine how much you can save (by the way, we love doing that kind of math).

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Personal Loans feature 2
Cash Out - Title Loan

Get cash from your car

Let your car pay you, for a change. You don’t need to sell your vehicle to extract the value; you may be able to tap into the equity with a title loan. Keep your car, get some cash, and enjoy low monthly payments on financing up to 72 months[1].

Apply for an auto loan
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The lady who assisted us was knowledgeable about the Financial transaction we wanted.

— A. D.
Always friendly and do their best to find the best way to help and make the customers there best serve you.
A. B.
The lady who helped me had an answer for every question I had made it super easy
C. A.
Just very thankful for all the help, you guys are great and wonderful, I really appreciate for your time.
L. B.

3 easy steps to your loan

1. Go online

Breeze through our online application in a matter of minutes.

2. Get approved

You’ll be quickly notified about approval

3. Use funds

Purchase your car. Call your friends and tell them how much you love your credit union.

Spend less time applying, more time driving

Nobody ever said, “I can’t wait to buy my new loan!” You want your car, and you want quick financing that doesn’t get in the way. That’s why we’re here. So, let’s get you in the driver’s seat.

Apply for an auto loan

  • APR = Annual Percentage Rate.

    [1] Payment Example:

    Pay $19.51 per month per $1,000 borrowed at 6.39% APR for 60 months.
    Pay $16.82 per month per $1,000 borrowed at 6.53% APR for 72 months.
    Pay $15.65 per month per $1,000 borrowed at 6.64% APR for 84 months.

    Pay $20.33 per month per $1,000 borrowed at 8.12% APR for 60 months.
    Pay $17.66 per month per $1,000 borrowed at 8.25% APR for 72 months.

    [2] Financing information

    1. New car loans (never registered) finance up to 120% of manufacturer suggested retail price (MSRP) based on credit tier. Maximum loan to value is based on credit history, current underwriting and pricing guidelines. Includes DMV license fees, Mechanical Breakdown Insurance (MBI), Guaranteed Auto Protection (GAP), and Extended Warranty.
    2. Used car loans (2020 and newer) finance up to 120% of retail Kelley Blue Book (KBB) based on credit tier. Maximum loan to value is based on credit history, current underwriting and pricing guidelines. Includes DMV license fees, Mechanical Breakdown Insurance (MBI), Guaranteed Auto Protection (GAP), and Extended Warranty.
    3. Used car loans (2017 – 2019) finance up to 120% of retail Kelley Blue Book (KBB) based on credit tier. Maximum loan to value is based on credit history, current underwriting and pricing guidelines. Includes DMV license fees, Mechanical Breakdown Insurance (MBI), Guaranteed Auto Protection (GAP), and Extended Warranty.
    4. Contact the credit union for information regarding model years 2014 – 2015.

Rates

Auto Loans

Rates effective as of: April 20, 2024

APR - Annual Percentage Rate

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Rates effective as of: April 20, 2024

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