Whether you’re looking for a new or used vehicle, MemberFocus is the best place for your auto loan.

We offer the same low rates on new, used and refinanced vehicles. Financing is available for automobiles, motorcycles, RVs and ATVs. We’ve helped hundreds of people, just like you, refinance their loans, saving them thousands.

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Credit Score Interest Rate* Term Loan-to-Value
New or Used 700+ 2.89% up to 84 mo. 115%
New or Used 671-699 3.89% up to 84 mo. 115%
New or Used 641-670 6.14% up to 72 mo. 100%
New or Used 601-640 10.14% up to 72 mo. 95%
New or Used 550-600 14.14% up to 72 mo. 90%
First Time Car Buyer - 5.24% up to 36 mo. 100%
First Time Car Buyer - 7.74% up to 48 mo. 100%
First Time Car Buyer - 8.74% up to 60 mo. 100%

Lowering your auto loan rate by just 1% APR* can save you upwards of $500 in interest charges!**

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*Rates stated are annual percentage rates (APR). 84 month term is only available for loans over $30,000 and are also a different rate than lower term loans. All loans are subject to credit approval. Rates are determined by credit history, underwriting standards and conditions. Programs, rates, terms and conditions are subject to change without notice.

**Example: $20,000 auto loan financed at 3.34% APR over 60 months = $1,744.24 finance charge. The same $20,000 loan at 2.34% APR over 60 months = $1,212.28 finance charge. A savings of $531.96.