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When you're in the market for a new car, there are four important words to keep in mind: Check with Metro first! You'll be pleasantly surprised to find that our auto loan rates aren't just competitive, they're market leading.

At Metro Credit Union we understand credit scores and financial histories vary. That’s why we offer a range of car loan options to help you purchase that dream car, regardless of your credit history.

Our personal bankers provide exceptional customer service and can offer guidance through the vehicle buying process, from providing you with information for negotiating the best deal with the seller to discussing the best loan terms to meet your specific needs.

Loan Options:

  • Dealer purchase – Once you have test driven a new or used vehicle at a dealership and you're ready to buy, check with Metro first for a great rate. Our personal bankers are here to help you through the process. 
  • Private party purchase – In addition to financing vehicles purchased at dealerships, we finance vehicles purchased through private sellers. This type of purchase involves a few extra details. We're here to help. 
  • Lease buyout – When it's time to purchase your leased vehicle, make Metro your first stop when securing financing to buy the vehicle from the leasing company.
  • Auto refinancing - Save money each month by exploring options to lower your interest rate, monthly payment, or both by moving your current auto loan to Metro.

Vehicle Protection Plans

We also offer mechanical breakdown protection (MBP) and guaranteed asset protection (GAP) plans. Each of our three MBP extended warranty plans offer full bumper-to-bumper coverage with a small deductible to help you deal with unexpected mechanical issues that may arise. In addition, we offer GAP coverage that helps cover the gap between what you owe on your loan and what the vehicle is worth. Before purchasing either of these protection plans, check with Metro first as members often find that our rates are better than what they may find elsewhere.  



Save and Succeed with Metro Credit Union

Save & Succeed, a personal finance program provided by Metro, offers numerous articles providing insight into the many facets of the auto financing process. Learn more by clicking the link below.

Auto Loan Calculators

Auto Purchase Calculator

*Calculators are for general education only, not representative of Metro Credit Union offerings. Results are estimates based on user input and are not financial advice or guarantees. Consult a Metro Credit Union advisor for personalized advice. Metro Credit Union disclaims accuracy and liability for calculator use.

Auto Refinance Calculator

*Calculators are for general education only, not representative of Metro Credit Union offerings. Results are estimates based on user input and are not financial advice or guarantees. Consult a Metro Credit Union advisor for personalized advice. Metro Credit Union disclaims accuracy and liability for calculator use.

  • I've done business with Metro for 7 years. Every branch is friendly and willing to do business to suit my needs. Referred to many friends.
    Brian G.
  • I love banking with Metro! I’ve never had an issue, whenever I have questions I write to them on the mobile app & they always answer quickly :)
    K.W.
  • It’s always a great experience at Metro Credit Union!
    Randy J.
  • Tellers are very friendly and able to answer questions and assist in timely manner. Also they have really good coffee for customers.
    Wendylyn M.
  • I visited the Emmet street location today and was met with nothing short of outstanding service from the folks working there. Special thanks to Justin, went above and beyond today. Kudos to you all!!
    Mohammed H.

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