Refinance Your Auto Loan
Make the most of our low rates when you refinance.
We Make Your Ride Affordable
See if you can lower your current vehicle loan rate when you switch to Montana Credit Union.
Competitively Low Rates
Take advantage of our low rates on new or used vehicles.*
Quick Approval
Get your auto loan application approved quickly and access your funds in the same day (in most cases).
Convenience
Set up automatic loan payments or monthly coupons.
Customized Terms
A wide range of terms available to fit your unique situation.
Auto Loan Rates
See all rates.
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Type |
Term |
Fixed Rate (APR) as low as* |
|---|---|---|
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*APR is defined as Annual Percentage Rate. Rates effective January 9, 2025. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment example based on a $20,000 loan: $590.34 at 3.99% APR with a 36 month term; $310.95 at 4.99% APR with a 75 month term; $292.07 at 5.99% APR with an 84 month term; and $272.57 at 6.99% APR with a 96 month term. Our APR may differ based on your loan amount, repayment method, and other factors. |
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Type 2022 and newer vehicles1 |
Term Up to 60 months (OAC) |
Fixed Rate (APR) as low as* 3.99% |
|
Type 2022 and newer vehicles1 |
Term 61 to 75 months (OAC) |
Fixed Rate (APR) as low as* 4.99% |
|
Type 2022 and newer vehicles1 |
Term 76 to 84 months (OAC) |
Fixed Rate (APR) as low as* 5.99% |
|
Type 2022 and newer vehicles1 |
Term 85 to 96 months (OAC) |
Fixed Rate (APR) as low as* 6.99% |
|
Type 2015 to 2021 |
Term Up to 36 months (OAC) |
Fixed Rate (APR) as low as* 4.49% |
|
Type 2015 to 2021 |
Term Up to 60 months (OAC) |
Fixed Rate (APR) as low as* 4.99% |
|
Type 2015 to 2021 |
Term Up to 75 months (OAC) |
Fixed Rate (APR) as low as* 5.49% |
|
Type 2015 to 2021 |
Term Up to 84 months (OAC) |
Fixed Rate (APR) as low as* 6.24% |
|
Type 2014 and older vehicles |
Term Up to 60 months (OAC) |
Fixed Rate (APR) as low as* 7.99% |
Calculate Your New Monthly Payment
How To Apply
Protecting Your Vehicle
Congratulations, you’ve lowered your loan rate! Now, you may want to explore ways to protect that investment.
Guaranteed Asset Protection (GAP)
GAP is a non-insurance product that covers the “gap” between your vehicle’s value and the amount you still owe. If your vehicle is stolen or involved in a major accident, GAP may cover the difference between your primary carrier insurance settlement and the payoff on your loan.
GAP comes with auto deductible reimbursement of up to $1,000. In addition, GAP Advantage could pay an additional $1,000 toward the purchase of a replacement vehicle when you finance the new vehicle through Montana Credit Union within 90 days of an adverse occurrence to your vehicle.
Depreciation Protection Waiver (DPW)
DPW provides a benefit to help protect the “equity” in your auto loan. DPW kicks in if your vehicle is ever totaled or stolen and not recovered at anytime over the life of the loan.
It provides you with an amount equal to the difference between MSRP or National Automobile Dealers Association (NADA) retail value at time of purchase, less the amount of your loan balance at time of total loss- not to exceed the lesser of the maximum benefit ($5,000 or $10,000) or your outstanding loan balance at time of total loss.
Mechanical Breakdown Protection
Mechanical Breakdown Protection extends coverage to virtually all mechanical and electrical components of your vehicle. Available on both new and used vehicle loans, several protection plans are available depending on the type of coverage you prefer.
Coverage benefits also include: 24-hour roadside assistance, rental vehicle assistance, tire protection, and trip interruption.
