If it’s time to buy a car or refinance one, then it’s time to talk to MSDFCU! We have a variety of services to help you get the perfect vehicle and loan suited to your lifestyle. We offer competitive loan rates and it’s easy to apply for:
- New Vehicles Loans – We offer 100% financing for up to 84 months.
- Used Vehicles Loans – We'll finance 100% of NADA retail value for models that are seven years old or newer.
- 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.
Pre-Approved Express Checks and eSignature make the buying process even easier! Get pre-approved and walk into any dealership with your Express Check and drive away in your new car. eSignature allows you to sign for your loan from anywhere - as long as you have access to the internet.
In addition, you can do your research, shop online, and more! Use our resources to help you find the best deal.
- 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 an ongoing relationship to give you great pricing on used cars through Enterprise.
- Love My Credit Union Rewards – Exclusive discounts on vehicles are available to you as an MSDFCU member.
- NADA Guide – A wealth of information is available, including a free VIN search and comparisons and costs of vehicles.
- Kelley Blue Book – Know what your vehicle is worth before trading it in by checking with this site.
- Calculators – Use our calculators to estimate your monthly payments or the cost of your loan.
- 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.
- Credit Union Auto Club - Gives you peace of mind that help is there should you have any breakdowns at discount prices.