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With MTC Federal, part of the lifetime benefits each member receives is access to simple, accessible vehicle loan refinancing.


Refinance your Vehicle Loan and get traction for your journey

Access to vehicle loan refinancing gives the borrower great flexibility to get their monthly payment to fit their lifestyle. Whether it’s lowering your monthly payment or setting you up to pay your vehicle loan off faster, refinancing your car, truck, or vehicle loan helps you enjoy the journey with low rates and better terms.

Benefits of Auto Loan Refinancing from a Credit Union

Individuals choose credit unions because they offer the best solutions for auto loan refinancing. Why? As not-for-profit financial institutions, their competitive rates puts members’ best interests first, rather than profit to the bottom line. With rates at an all-time low, this is a historic time to seek auto loan refinancing to lower your monthly payment, resulting in more of your money going directly to principal and less lost in interest over the life of the loan.

What's more, there are benefits to auto loan refinancing specific to members of MTC Federal:

  • Low Rates
    Check today's historic low rates.
  • Flexible Terms
    MTC Federal offers refinanced vehicle loan terms from 24-84 months
  • Delayed First Payment
    MTC Federal offers plans that include up to 90 days before your first payment is due.
  • Skip-a-Payment
    Help MTC Federal give back to the community, and we’ll give you a month off your payment.
  • Member Protection
    MTC Federal offers vehicle protection services covering mechanical repair and damage.
Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.
Term Annual Percentage Rate (APR) as low as
24 Months 5.70%
36 Months 5.70%
48 Months 5.95%
60 Months 6.20%
72 Months 6.95%
84 Months 7.95%

$66 million

money available to lend to vehicle loan applicants in 2023.

"They are so on top of things, they are great at what they do, and I certainly will never bank anywhere else. I previously banked with 2 major, popular banks and left both of them to use MTC only because it is the best."

- Maggie, member

Applying for a used vehicle loan

This is placeholder content for where we’ll introduce the application process for a vehicle loan. We’ll highlight there’s a conversation to occur with a lending expert and give an expectation for a turnaround time.

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Begin your application in seconds with our brief interest form. One of our advisors will receive your form and follow up with you shortly.

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No matter what, each lead is followed up with by the next business day. Oftentimes we are able to reach out to those looking for a loan the same day. Be ready for a phone call.

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Set aside enough time for an in-depth conversation, between 10 and 20 minutes. Let us know what you want the loan for, how much you want and why you’re choosing MTC Federal as your lender.

©2024 MTC Federal Credit Union. *Annual Percentage Rate (APR) may vary depending on each individual’s credit history and underwriting factors. All loans subject to credit union approval. All credit union loan promotional offers, programs, rates, terms and conditions are subject to change at any time and without notice. Offer may end at any time. Other restrictions may apply.