New & Used Car Loans at Mocse are Better!
Ready for your next car? Mocse is here to help with financing so you can focus on finding the perfect car!
- Low, fixed interest rate on new or used cars
- Flexible repayment terms up to 84 months*
- Up to 110% MSRP financing(1)
Bring it to Mocse - Refinance Loan
Love your car but wishing for a lower payment? Refinance your car loan from another financial institution and save!
- Low, fixed interest rate
- Flexible repayment terms up to 84 months based on year of the car and loan amount**
- Maximum loan to value (2016 and newer) is 120% of Kelley Blue Book (KBB) based on credit tier, credit history, current underwriting and pricing guidelines. Not to exceed existing loan balance.
Cash Out - Title Loan
Do you have equity available in your car? Maybe own your car and already have title for it? Then an option could be our Cash Out - Title Loan. Use funds to pay off higher rate loans, do home improvements, or take a nice vacation.
- Low, fixed interest rate
- Flexible repayment terms up to 72 months***
- Minimum payment amount of $50.00 is required
- Advances based on the year model of your car (2016 or newer)
Interest Rates
New & Used
Car Loan |
Bring it to Mocse
Car Refinance |
Cash Out - Title Loan |
Fixed Interest Rate
5.10% - 13.69% APR |
Fixed Interest Rate
5.20% - 13.79% APR |
Fixed Interest Rate
8.12% - 17.59% APR |
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*Payment Example: APR = Annual Percentage Rate. Pay $18.92 per month per $1,000 borrowed at 5.10% APR for 60 months.
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**Payment Example : APR = Annual Percentage Rate. Pay $18.96 per month per $1,000 borrowed at 5.20% APR for 60 months.
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**Payment Example : APR = Annual Percentage Rate. Pay $20.33 per month per $1,000 borrowed at 8.12% APR for 60 months.
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Actual interest rate will be provided upon approval of a completed loan application and based upon our pricing and underwriting policies and procedures. Interest rates above based on model years 2023 to 2016. Rates and terms subject to change without notice. All loans subject to credit approval.
AutoSmart - Ready for a new car but not sure where to start?
Use AutoSmart! With AutoSmart, you control search settings so you can sift through the sea of cars available and find exactly what you’re looking for. You can locate participating auto dealerships where you can complete Mocse financing right at the dealership using CUDL. You can even obtain a Kelley Blue Book value using AutoSmart. Now that's an AutoSMART shopper!
Start Shopping!
(1)Financing information
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, tax fees, Mechanical Breakdown Insurance (MBI), Guaranteed Auto Protection (GAP), and Extended Warranty.
Used Car Loans (2021 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, tax fees, Mechanical Breakdown Insurance (MBI), Guaranteed Auto Protection (GAP), and Extended Warranty.
Used Car Loans (2016 - 2020) - 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. Contact the credit union for information regarding model years 2013 - 2015.
Insurance Requirement
As a reminder, please have your insurance company add Mocse Credit Union as a loss payee with a maximum deductible of $500 on your auto insurance policy.
Without proof of proper insurance coverage within 10 days, Mocse will add lenders insurance coverage, to protect the collateral, at an additional cost to you.
Proof of insurance, with Mocse as lien holder, can be sent to: coverage@idohaveinsurance.com or by mail to:
Insurance Center
PO Box 3308
Santa Rosa, CA 95402