Auto Loans

Get On the Road to Wherever

In our 55 years of business, we've helped many members get on the road to a fuller life. Today, the process is easier and faster than ever, and we remain committed to helping our members get where they want to go. With MontereyCU, most consumer loans are eligible for a rate discount when you set up automatic payments. Apply online, over the phone, or in person, and get a decision in no time!

Apply Online

We make it quick, easy, and straightforward. We save our members money with lower interest rates and receive a credit decision promptly.

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Switch Your Auto Loan and GET $200*

*Minimum qualifying vehicle loan amount $5,000. All loans subject to credit approval. To earn $200, fund a new auto loan or refinance another lender's loan with Monterey Credit Union (MCU) and at the same time set up automatic payments from any source on your new MCU loan. (Dealer-originated loans and refinances of existing MCU loans are not eligible.) $200 will post to your MCU savings account on the day MCU funds your loan and you set up automatic payments. Interest accrues during 90-day payment defferal period. Offer valid starting 07/09/2026 and subject to change or cancellation without notice. Cannot be combined with any other MCU offer. MCU employees, volunteers and immediate family members are not eligible. MCU complies with applicable state and federal tax reporting requirements. Ask for details.