With a Guaranteed Better Loan from MTC Federal Credit Union, you get a lending partner with affordable financing options – the key to your new favorite vehicle.
Rates as low as 1.95% APR* (annual percentage rate)

You deserve more choices:

Custom loan options to fit your budget and needs:
  • Rates as low as 1.95% APR*
  • Flexible Terms from 24-84 mos.
  • Up to 90 days to make first payment
  • Automatic Payments

Apply to take advantage of your great rate:

Want to speak with an Automotive Lending Expert?
Call 864-908-3402
Monday – Friday, 8:00am – 5:00pm EST

Vehicle Loan Types

New Auto Loan
New Auto Loans

Put your next vehicle within reach. Options with low monthly payments, competitive rates (as low as 1.95% APR) and flexible terms (24-84 mos.) that leave you enough room to enjoy owning it.

Used Auto Loan
Used Auto Loans

When you need that next vehicle to fit in your budget, our used auto loans work to serve our members with super-low monthly payments, rates as low as 1.95% APR with terms up to 84 months.

Auto Refinancing
Auto Refinancing

Lower your monthly payments by refinancing your auto loan with competitive interest rates we offer to all of our members, with terms up to 84 months.

Recreational Vehicles
Recreational Vehicles

People who work hard deserve the opportunity to play hard! Loans that make it easy to drive more adventure. With rates as low as 1.95% APR and terms up to 128 months, we offer members the flexibility the need for the lifestyle they want.

Motorcycle RV Motor Boat Jet Ski

Guarantee Money Shield

The Guaranteed Better Loan From MTC Federal Credit Union

You deserve more choices. The Guaranteed Better Loan Advantage can help you with one or more of these solutions:
  • Better Rate
  • Better Payment
  • Better Term
  • Better Due Date
  • Better Protection
Get Details

Member Service is Our Very Best Product

Our Member Service Representatives are standing by each business day to answer your questions and explore the best financial options for you.

Skip Payment
Skip-a-Payment Plan

Giving back gives back to you! Help us give back to the community and we’ll give you a month off your loan payment.

Deferred Payment Offer
Deferred Payment Offer

Have loans at other financial institutions? Move to MTC Federal and skip up to 3 payments by deferring your loan payment for 90 days.

Insurance Umbrella
Member Protection

MTC Federal offers vehicle insurance for peace of mind on the road. Drive confidently, knowing that mechanical repairs or damage won’t weigh you down.

Online and Mobile Tools

AutoSMART Tools

Powered by our partners at AutoSMART, MTC Federal puts the tools in your hands to make the best auto buying decision.

  • Check Vehicle Values
  • Search for cars
  • Find preferred dealers
  • and more!


Compute and compare loan options to find the right loan for your budget with this simple tool.


Current Rates

TermAnnual Percentage Rate (APR) as low as
24 Months2.20%
36 Months2.45%
48 Months2.70%
60 Months2.95%
72 Months3.70%
84 Months4.70%
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.
*©2020 MTC Federal Credit Union. All rights reserved. Federally insured by the NCUA. Equal Housing Lender. 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.