If you’re looking to save money every month by lowering your overall monthly loan payments, we want to help you find the best option possible with our competitive low rates.
We’ve got you covered with various ways to save, ensuring you find the road that leads to more cash in your pocket.
Switching your loan is easy. Up to 125% financing for easy cash with one low rate.
Hit the breaks for affordable interest rates – often lower than traditional banks. View current rates.
Drive today, pay later. Your first payment won’t be due for 3 months after closing.
Free up some funds by skipping a qualified loan payment without impacting your credit score. Skip up to two payments each year.3
View our online loan calculator to help you compare first-hand how an auto-refinance can help you save instantly! View Calculator
Fill out the short form below to hear from a Loan Officer within the next business day.
*Limited time offer. Offer may end any time, and without notice. Members Credit Union will match or beat a member's current auto loan rate by 2%, not exceeding our lowest 37-60 month rate based on a member’s credit tier. Proof of current rate is required. Forms of proof include but not limited to: Online banking screen print, purchase agreement, statements, or any other methods for documentation purposes. Changes to ownership do not qualify for program. No other discounts will apply. Existing Members Choice Credit Union auto loans are ineligible for this refinancing offer. Not eligible for purchases. Vehicles must have a Texas title. Other terms and conditions may apply.
1 Interest still accrues during this time.
2 Typical turnaround for in person, phone or online applications is within 24 hours, if application is received during business hours. Weekend applications get processed the following business day.
3 The Skip-a-Pay allows members to skip qualified loan payments. Only two Skip-a-Pays may be granted per calendar year. The following Members Choice loan types are not eligible for the Skip-a-Pay program: Any loan over $75k, any real estate loan (including Mortgages, Home Equity, Home Improvement, land loans and HELOCs) or line of credit, credit cards, business loans, share secured, stock secured, CD secured, student loans, Smart Choice auto lease, any loan originated within the past six (6) months, loans not serviced by Members Choice and any delinquent loan. Any currently delinquent loan or a loan which has been previously delinquent, may be ineligible. Any payment deferrals or previous extensions may affect eligibility. Loan must have at least six (6) payments credited. By enrolling in Skip-a-Pay, you agree to the terms and conditions and you are requesting Members Choice to skip one monthly payment and advance the due date of your regular monthly payment by one month. Choosing to defer/skip payments on your loan(s) may affect future payment on Life, Disability or GAP claims.
All memberships are subject to approval including credit approval.
About Members Choice Credit Union
At Members Choice Credit Union, we are more than a financial institution; we are your partners in bringing you closer to the life you aspire to live. For over 80 years, we've been dedicated to empowering families across Houston, Texas. Whether it’s buying your first home, driving off in a new car, building your savings, or becoming debt-free, we provide the tools and support to help you pursue your goals with confidence. Join us in discovering your version of "the good life" at www.mccu.com.
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