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If you're looking to purchase a new or used vehicle -- or if you're looking to lower your payment on a loan you have elsewhere -- then look no further than your credit union! Take advantage of our low auto loan rates, flexible terms, quick application process, no payments for 2 months2, the option to Skip-a Payment3 twice a year, and a variety of low-cost services to protect your investment.

Make no payments for 2 months2 when you finance your vehicle with us or move your existing loan from another lender.
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.
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!
With a Market USA auto loan, you have the option to Skip-a-Payment3 twice a year for a nominal fee as shown on our Skip-a-Pay page. Simply log into Online Banking or Mobile Banking, select Skip a Pay from the menu, and follow the prompts. You can also download the Skip-A-Pay 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.
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 FlexPay4 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 Online Banking or the Mobile Banking, select FlexPay from the menu, and follow the prompts. 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.
Have the title to your car and need cash now? You can borrow the J.D. Power 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.
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!5

Auto Loan Rates
Loan Term APR as low as
New Auto Used Auto
36 Months 5.24%1 5.24%1
48 Months 5.49%1 5.49%1
60 Months 5.99%1 5.99%1
72 Months 6.24%1 6.24%1
84 Months 7.49%1 7.49%1
1Rates 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
Product Links
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Loan Calculators
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No Payments for 2 Months2

No down payment - finance up to 100% of your purchase price plus tax & tags6

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

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. 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.
  4. Member must be in good standing. Other restriction apply. Ask for details or visit our FAQs
  5. 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.
  6. 100% financing may be impacted if vehicle selling price is substantially higher than vehicle value. Subject to credit approval.