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Advantages of a Market USA Auto Loan

Express Check

Before you visit a dealer, contact Market USA for an Express Check. If you qualify, Market USA will give you a check up to your pre-approval amount1. When you visit a dealer with a check in-hand, you'll be in a better position to negotiate!

Make No Payments for 2 Months!

Make no payments for 2 months2 when you finance your vehicle with us or move your existing loan from another lender.

Save Time and Money with TRUECar

Use our free research tools to find the information you need to buy with confidence: research your trade-in value, compare vehicle features, lock in your savings and more. Plus, you can see what others paid for the new vehicle you want so you never overpay. Receive a .25% rate discount3 when you purchase your vehicle through our Car Buying Service, powered by TRUECar.

Give Your Budget Some Breathing Room with Skip-A-Pay

With a Market USA auto loan, you have the option to Skip-A-Payment4 twice a year. Simply log into Internet Banking and click the "Skip-A-Pay" tab beside the loan you want to skip. You can also download the Skip-A-Pay form at marketusafcu.com (under Services, Select a Form) and either fax it to 866-262-1773 or mail to: Market USA FCU, 8871 Gorman Rd, Suite 100, Laurel, MD 20723. Requests must be made at least 5 days prior to the due date in order for automatic payments to be stopped. Automatic payments will resume the following month.

Have an Existing Market USA Auto Loan? Lower Your Payment with FlexPay!

If you already have a Market USA auto loan and are looking to save on your monthly expenses, you may be eligible to use our FlexPay5 program! With a few easy clicks, you can extend the term and lower your monthly payments - the entire process is completed securely online. There is no cost to use this service. To get started, simply sign into Internet Banking or Mobile Banking through our website (not the mobile app), and select FlexPay next to your loan. Your current loan information will already be pre-filled on the FlexPay screen. You can adjust the dial until you find the term and monthly payment that fits your budget. Once you select the Extend Term button, e-sign and submit your loan documents, and you're done! Visit our FAQs for more details.

Use the Value of Your Car for a Cash Out Auto Loan

Have the title to your car and need cash now? You can borrow the NADA loan value of your car. Don't have your car completely paid off but have equity built up? You can also use that equity to gain some cash now.

Protect Your Investment with Low-Cost Insurance Products

We can offer you peace of mind with Debt Protection, Mechanical Repair Coverage (MRC) and Guaranteed Asset Protection (GAP) Plus on your vehicle, typically at lower costs than what you will find at the dealership.

Low Interest Rates

Our low rates mean low monthly payments for you -- and less interest paid over the life of the loan!6

Auto Loan Rates
Refinance Term APR as low as
New Auto Used Auto
36 Months 1.79%1 2.04%1
48 Months 2.24%1 2.49%1
60 Months 2.74%1 2.99%1
72 Months 3.24%1 3.49%1
84 Months 4.04%1 4.29%1
1 Rates shown include a .25% discount for automatic payment and an additional 0.50% for having a qualifying Reward Rate Relationship. Rates for vehicles 7 years and older are 3.00% above the stated rate. Your actual rate may vary depending on credit and discounts taken. Rates are also applicable to Cash Out Auto (Title) Loans.
Rate Disclosures   View All Rates

No Payments for 2 Months2

No down payment - finance up to 100% of your purchase price plus tax & tags7

No prepayment penalty

Loan Rates

Our loan rate pricing shows the lowest rates available, which include:

  • Selection of an automated payment method.
  • An additional 0.50% discount for having a qualifying Rewards Rates relationship
  • Receive an additional .25% discount off your qualifying rate when you purchase your vehicle through TRUECar3

All rates are subject to change, credit certification and approval. The stated rates are the lowest available and your rate may be higher.

Discounts do not apply to Credit Cards, Certificate & Share Secured Loans, Lines of Credit, Fresh Start, Home Equity Loans/ Lines of Credit and First Mortgages, and Loans Initiated Through a Third Party.

Rewards Rate

To qualify for the Rewards Rate, you must have e-statements AND one of the following

  • Direct deposit of at least $500 per month and an active checking account
  • At least $25,000 on deposit

Footnotes

  1. Subject to credit approval.
  2. Payments can be made during the two month deferral period. During the two month payment deferral, interest will accrue and may extend the original term of the loan. Offer does not apply to refinancing auto loans currently with Market USA. Offer is subject to change without notice. Market USA vehicle financing obtained through or initiated by an auto dealership within the Credit Union Direct Lending (CUDL) networks does not qualify for two month payment deferral.
  3. Receive a .25% rate discount for purchasing your vehicle through our Car Buying service. To qualify for this discount, you must purchase your vehicle from a certified dealer listed on your savings certificate within 30 days of loan approval.
  4. A minimal processing fee per loan will be charged to your savings or checking account based on your monthly payment. Interest will continue to accrue on unpaid loan balance. To qualify for extension, loan must be open for at least 90 days and in good standing. Certain restrictions apply. Call for details.
  5. Member must be in good standing. Other restriction apply. Ask for details or visit our FAQs
  6. Selected term, usage of Skip-A-Pay, and usage of FlexPay may impact your monthly payment and the amount of interest paid over the life of the loan.
  7. 100% financing may be impacted if vehicle selling price is substantially higher than vehicle value. Subject to credit approval.