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If it’s time to buy a car or refinance one, then it’s time to talk to MSDFCU!

We have low rates and a variety of services to help you get the perfect vehicle and loan suited to your lifestyle.

New and Used Vehicles Loans – We offer 100% financing for up to 84 months. We'll finance 100% of NADA retail value for models that are seven years old or newer. You can pay off your balance at any time without a prepayment penalty.

Refinanced Vehicles Loans – Have an auto loan elsewhere? We may be able to refinance it at our current used car rate and save you money.

Get A Pre-Approved Express Check using our eSignature feature.

MSDFCU makes the buying process easy and gives you the power to negotiate. Get pre-approved and walk into any dealership with your Express Check and drive away in your new car. Use our eSignature feature when applying and you can sign for your loan from anywhere - as long as you have access to the internet. Get started today.

Auto Loan Application

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.