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Our vehicle loans offer you new ways to hit the open road this season.

In addition to Car and Motorcycle loans we now offer Recreational Vehicle RV loans so you can take a bit of home with you when your travel.

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 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.

Apply Today

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

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. 

Apply Today

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.
View Brochure

Depreciation Protection (DPW) – Depreciation Protection kicks in if your vehicle is ever totaled or stolen and not recovered at anytime over the life of the loan.  It waives some or all of your loan balance in the event of the total loss of your vehicle.  The waiver benefit is equal to the difference between your vehicle’s MSRP or retail value at the time of DPW purchase, less the amount of your loan balance at the time of total loss. DPW IS IDEAL FOR THOSE WHO:
>Put money down or have equity in the vehicle
>Make accelerated loan payments
>Desire protection from vehicle depreciation
>Desire peace of mind knowing the money invested in a vehicle could be protected
View Brochure

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.