Skip to main content
MTC Federal Logo

FIND YOUR TRACTION
NEW LOW RATES | LOWER PAYMENT

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.

Lock in a LOW RATE TODAY!

 
 

YOU DESERVE MORE CHOICES:

Custom loan options to fit your budget and needs:

  • Historic low rates available
  • Flexible Terms from 24-84 mos.
  • Up to 90 days to make first payment
  • Automatic Payments
Want to speak with an Automotive Lending Expert?
Call 864-908-3402
Monday – Friday, 8:00am – 5:00pm EST

Apply to take advantage of your great rate:

VEHICLE LOAN TYPES

Couple closing on a loan
NEW AUTO LOANS

Put your next vehicle within reach. Options with low monthly payments, competitive rates and flexible terms (24-84 mos.) that leave you enough room to enjoy owning it.
Couple driving in their vehicle
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, historic low rates with terms up to 84 months.
Family unpacking a picnic
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

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

Icons of different vehicles
Shield Icon

THE GUARANTEED BETTER LOAN ADVANTAGE™ 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.

Send a Message Call 800-442-7792
Calendar Icon
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.

Get Details

Icon of vehicle
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.

Speak to Lending Expert

Icon of 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.

Learn More

Screenshot of car buying website

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!
Visit Site

CALCULATOR

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

Explore

CURRENT RATES

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%
©2024 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. Other restrictions may apply.