Auto Loans

For what drives you
Whatever your passion is—whether it’s a family road trip or weekend exploration—we have the guidance and low-rate auto loan to help you pursue it. Check out our rates and payment calculator.

Financing for new and used cars


Whether you’re shopping for a car, truck, SUV, van or crossover, Mountain America has the financing to help you get the vehicle you want. Our low-rate auto loans are great for both new and used vehicles. We also offer refinancing options. Be on your way in no time with a quick and easy application process, especially with our online and mobile banking services.

Our auto loans feature:

  • Fixed rates as low as 3.74% APR with MyStyle Checking discount
  • No application fees
  • Terms up to 6 years*
  • Onsite financing—tell the dealership you want Mountain America financing
  • Rate discounts with MyStyle CheckingSM

Calculate your auto loan payment


Get your low-rate auto loan

Apply online, through the Mountain America mobile app or at a local branch. Or ask for Mountain America financing at the dealership.

Apply online


What kind of credit score do you need to get a car loan?

The credit score you need to get an auto loan depends on the lender, but the average borrower will need a score in the low 700s for a new car loan and mid-600s for a used car loan.

Credit history is one of the main factors lenders consider to determine auto loan approval. It shows them whether the borrower is high or low risk. Most financial institutions will look at the borrower’s industry-specific auto FICO® Score, along with their base FICO® Score from the three consumer credit reporting bureaus: Equifax, Experian and TransUnion.

A borrower’s credit score doesn’t just determine car loan approval and the eligible amount, it also affects the interest rate the borrower is given. While it’s possible to find interest rates between 0–2% on new car loans, borrowers will require a credit score of 700 or higher. Reversely, while a borrower may find an auto loan lender willing to accept an average (mid-600s) or low (500s to low 600s) credit score, the borrower’s interest rate will likely be three to five times higher (between 10–24%) than those with good or excellent credit.

Have confidence in your purchase with AutoCheck® history reports.
Find a Car
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Auto Insurance
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Loan Protection
Protect your ability to make your loan payment with loan protection insurance.
*Annual percentage rate. Loans on approved credit. Actual APR based on credit worthiness. See current rates and terms. Membership required–based on eligibility. Rate includes 0.25% discount for MyStyle Checking. The minimum monthly payment for a loan with a 3.74% APR and 5-year term is $18.30 per $1,000 borrowed.

**Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. Mountain America Credit Union and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Mountain America Credit Union and Fair Isaac do not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FICO score available to primary members only.