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Our auto loans are so easy, there’s no telling what you’ll do with the time and energy you save.

Get a rate as low as 1.99% APR* on both purchases and loan refi’s from another lender with 100% financing and loan terms up to 84 months.

Best of all, our loan process is completely painless and completely online—even signing the paperwork—so there’s no need to make the trek into one of our branches. 

If you’re in car-buying mode right now, getting a Pre-Approved Express Check from us should be your first step in this process. You’ll have all your financing squared away before you head to the dealership, and that will make for a quicker, easier and stronger negotiation at the dealership or with the current owner. Plus, you’ll know how much you can afford to spend and how much your monthly payment will be right from the get-go.

Save time. Save energy. That “to do” list (or that  some-day wish list) will thank you.


Apply Today

Now is the perfect time to refinance your loan from another lender or to buy a new-to-you car or truck.

It is car-buying season. New models are hitting dealer lots, and their used inventory needs to move—and quickly. If you love your vehicle but want to pay less per month (or pay the loan off faster), look at refinancing the loan with us. In either case, just imagine what you can do with all of that extra time and energy you’ll be saving. To summarize:

• Get a rate as low as 1.99% APR* on both new and used vehicles.
• We’ll finance 100% of the NADA retail value for models that are seven years old or newer.
• For a lower monthly payment, we offer loan terms up to 84 months.
• You can pay the loan off at any time without a prepayment penalty.
• Shop with cash in hand with our Pre-Approved Express Check.

Apply Online Now


Helpful Auto Buying Tools.

Purchasing Assistance

CUDL Network – We have lending relationships with a number of area auto dealers. When you shop at any of these dealers, you can apply on the spot for Credit Union financing. Just identify yourself as a Merck Sharp & Dohme Federal Credit Union member.
Enterprise – Looking for a used car? MSDFCU has a relationship that gives you great pricing on used cars through Enterprise.

Vehicle Research

NADA Guide –Use a free VIN search to compare vehicles and their costs.
Kelley Blue Book – Know what your vehicle is worth before trading it in. - Offers True Market Value pricing, unbiased car reviews, ratings, and expert advice.

Insurance Services

Guaranteed Asset Protection(GAP) – GAP insurance is financial protection covering the difference in the balance on a car and its declared value, as determined by your primary insurance carrier, in the event that it is damaged beyond repair, or stolen and never recovered before your loan is paid in full.
Insurance Verification – Submit proof of insurance for a loan you have with MSDFCU.
Exclusive MSDFCU Auto Insurance Rates through TRUSTAGE.


Calculators – Estimate your monthly payments or the cost of your loan.