buying a car
Auto Loans are a specialty at Mocse, so you'll find some of the lowest rates in town.


New & Used Auto Loans

  • Low, fixed rates on new or used vehicles
  • Flexible repayment terms up to 84 months*
  • New vehicles - Finance up to 125% 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, tax fees, Mechanical Breakdown Insurance (MBI), Guaranteed Auto Protection (GAP), and Extended Warranty.
  • Used vehicles (2010 and newer) - Finance up to 125% 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, tax fees, Mechanical Breakdown Insurance (MBI), Guaranteed Auto Protection (GAP), and Extended Warranty.
  • Used vehicles (2007 - 2009) - Finance up to 100% 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, tax fees, Mechanical Breakdown Insurance (MBI), Guaranteed Auto Protection (GAP), and Extended Warranty.
  • Debt Protection available

* Payment Example : APR = Annual Percentage Rate. Pay $17.88 per month per $1,000 borrowed at 2.79% APR for 60 months.


AutoSMART Shopper

 

Introducing "AutoSMART Shopper" a website that provides you with the tools you need to research and compare thousands of new and pre-owned vehicles. Once you find the car that's right for you, apply online by clicking on the Finance Tab and then click on the Apply Online button. You can also locate participating CUDL auto dealerships where you can complete your Mocse financing right at the dealership. Now that's an AutoSMART Shopper!

Start Shopping!


Visit our AutoSMART website to obtain a current Kelley Blue Book value for your vehicle.

"Bring it to Mocse" Auto Loan Refinance

Love the car but hate the payment?  Refinance your auto loan from another financial institution and save!

  • Low, fixed rate
  • Flexible repayment terms up to 60 months*
  • Maximum loan to value is 115% of Kelley Blue Book not to exceed existing loan balance
  • Not valid for refinance of existing Mocse loans

*Payment Example : APR = Annual Percentage Rate. Pay $17.93 per month per $1,000 borrowed at 2.89% APR for 60 months.


"Cash Out" Auto Loan

Do you have equity available in your car? Maybe you own your car and already have title for it? Then an option for you could be our "Cash Out" Auto Loan. Use the funds to pay-off higher rate loans, do some home improvements or take a nice vacation. These are just a few ideas!

  • Low, fixed rate
  • Flexible repayment terms up to 72 months*
  • Minimum payment amount of $50.00 is required
  • Advances based on the year model of your auto (2010 or newer)

*Payment Example : APR = Annual Percentage Rate. Pay $18.15 per month per $1,000 borrowed at 3.39% APR for 60 months.

Rates

Auto Loan "Bring it to Mocse"
Auto Refinance
"Cash Out" Auto Loan
Fixed Rate
2.79% - 17.99% APR
Fixed Rate
2.89% - 5.59% APR
Fixed Rate
3.39% - 16.59% APR
Actual interest rate will be provided upon approval of a completed loan application and based upon our pricing and underwriting policies and procedures.

Not a Member? You Could Be! 1-800-44-Mocse or (209)572-3600