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Vehicle Financing
Whether you're purchasing a new or used vehicle or refinancing an existing auto loan, MHFCU offers competitive rates, flexible terms, and personalized service to help you get behind the wheel.
Apply Now Auto ResourcesFinance Your Next Vehicle
Whether you're shopping for your first car, upgrading your current vehicle, or refinancing an existing auto loan, MHFCU is here to help make the financing process simple. We offer competitive financing options so you can focus on finding the right vehicle with confidence.
How Vehicle Financing Works
- Apply for financing online.
- Receive a lending decision and loan terms.
- Shop with confidence knowing your budget.
- Complete your purchase and enjoy your new vehicle.
Competitive Rates
Save money with affordable financing designed for our members.
Flexible Terms
Choose a repayment option that fits your budget and lifestyle.
Shop with Confidence
Simplify the car buying process when you get pre-approved, and finance the vehicle that fits your lifestyle.
MEMBER PROMOTION
Win a $500 VISA® Gift Card
Finance your next vehicle with MHFCU and you'll automatically be entered into our quarterly drawing!
✓ Every eligible auto loan is automatically entered.
✓ No additional registration required.
✓ One winner is selected every quarter.
✓ No additional registration required.
✓ One winner is selected every quarter.
*See Official Giveaway Rules for eligibility requirements and complete details.
Before You Apply:
- Estimate your monthly budget
- Check your credit score
- Research the vehicle you're considering
- Gather proof of income and identification
- Consider getting pre-approved before shopping
- Compare insurance costs
Buying vs. Refinancing
| Buying a Vehicle | Refinancing Your Loan |
|---|---|
| Finance a new or used vehicle purchase |
Replace your existing auto loan |
| Ideal for purchasing your next vehicle | May lower your monthly payment or interest rate |
| Shop with a pre-approved budget | Potentially save money over the life of your loan |
| Finance through MHFCU | Move your existing loan to MHFCU |
Frequently Asked Questions
What types of vehicles can I finance?
MHFCU offers financing for many types of new and used vehicles. Contact our lending team for information about specific vehicle eligibility.
Can I refinance my current auto loan?
Yes. Refinancing may help lower your interest rate, reduce your monthly payment, or better fit your financial goals if you qualify.
Should I get pre-approved before shopping?
Pre-approval can help you understand your budget before you begin shopping and may simplify the buying process.
How much can I borrow?
Loan amounts are based on several factors, including the cehicle, your credit qualifications, and lending guidelines.
What information do I need to apply?
You will need identification, proof of income, and information about the vehicle you're purchasing or refinancing.
Related Resources
Explore additional resources to help you research, finance, and protect your next vehicle.
Ready to Get Behind the Wheel?
Whether you're purchasing your next vehicle or refinancing your current loan, MHFCU is here to help you every step of the way.
Apply for a Loan
*No purchase or fee beyond obtaining an eligible auto loan is required to enter. Promotion is subject to eligibility requirements. See Official Giveaway Rules for complete details.