Mocse Credit Union
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Mocse
Mocse Federal Credit Union
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MOCSE Credit Union - Bringing Service Home.
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Auto Loans

Whether you found your dream car or just started looking, Mocse is the perfect place to get your car loan. From start to finish, our application process is quick and easy with personal service. We work with hundreds of dealers and can help with buying from a private party. Whatever you’re looking for, Mocse is here for you.

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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

*Payment Example: APR = Annual Percentage Rate. Pay $18.92 per month per $1,000 borrowed at 5.10% APR for 60 months.

**Payment Example : APR = Annual Percentage Rate. Pay $18.96 per month per $1,000 borrowed at 5.20% APR for 60 months.

**Payment Example : APR = Annual Percentage Rate. Pay $20.33 per month per $1,000 borrowed at 8.12% APR for 60 months.

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

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Routing Number:
  • 321173470

© Copyright 2023 Mocse Federal Credit Union All Rights Reserved

Federally insured by NCUA  |   Equal Housing Opportunity

If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 1-800-44-Mocse (1-800-446-6273) for assistance. Please be assured that all products and services available on this website are available at all Mocse branches.

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