a rate with a view
New & Used Auto Loans
Calculate your auto loan payment¹
Today's Rate
New & Used Auto Loans
As low as
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 auto loan 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 auto loan interest rates as low as % APR (OAC) with MyStyle® Checking discount
- No application fees
- Terms up to 72 months (6 years)⁴
- Onsite financing—tell the dealership you want Mountain America financing
- Auto loan refinancing available
Auto loan FAQs
Do I need to be a Mountain America Credit Union member to apply for an auto loan?
You don’t need to be a member to start an auto loan application. However, you’ll need to qualify for membership to complete the process.
How do I refinance a car loan?
Refinancing your car is an easy way to lower your car loan interest rate and monthly payments. To do this, you’ll need the right information and documents (car mileage, VIN, current car loan numbers, driver’s license and income verification), and then you’ll choose a financial institution with which to apply.
The bank or credit union will review your information, check your credit history and then let you know whether or not you qualify for a lower interest rate. If you do, they’ll work with you to run the numbers and set your new loan term to a lower monthly car payment.
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,⁵ 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 is possible to find low rates on new car loans, lenders will require a credit score of 700 or higher. 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 than those with good or excellent credit.
Get your low-rate new or used auto loan
Apply online or at a local branch. Or ask for Mountain America financing at the dealership.Apply online
Additional resources
AutoCheck
Find a Car
Auto Insurance
Vehicle Protection Plans
- 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.</small>
