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With MTC Federal, part of the lifetime benefits each member receives is access to The Guaranteed Better Loan Advantage™: Better Rates, Better Payments, Better Terms.


Find Traction for your life with a Guaranteed Better Used Vehicle Loan

Across all of that we offer, members choose vehicle loans as our #1 rated lending service. That's because MTC Federal makes financing your next vehicle simple, getting you on the road faster than ever. Because we're a local credit union, we customize used vehicle loans to meet each member's unique needs -- ensuring they get the right solution with the best rates (APR) and terms.

Benefits of Used Vehicle Loans from a Credit Union

Most buyers look for the right vehicle and the best loan for it -- at the same time. A smarter way to shop is to reach out to a Lending Expert at MTC Federal first. We'll work with you to see how much money you qualify for and exactly what your monthly payments will be. Now, you can shop for your next new or used vehicle with confidence. And what makes borrowing from MTC Federal such a refreshing experience? As a member-owned financial institution, we give you several unique benefits that you won’t get anywhere else:

  • Low Rates
    Check today's historic low rate and give us the opportunity to beat a competitors’ loan.
  • Flexible Terms
    MTC Federal offers used 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 they’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.

“Great customer service and very helpful. Made buying my car quick and easy.”

- Shawn, member

Getting a used vehicle loan

The application process for a used vehicle loan is simple and straightforward with MTC Federal -- we do all the work! Once you begin your application for a loan, we'll work to get your approved fast. Here's how it works:

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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.