Crazy fast pre-approvals with usually same day turnaround.
| MODEL YEAR 2024 & NEWER | ||
|---|---|---|
| Terms | APR* | Monthly Payment |
| (up to) | as low as: | per $1,000 Borrowed |
| 36 Months | 5.24% | $30.08 |
| 48 Months | 5.49% | $23.25 |
| 60 Months | 5.74% | $19.21 |
| 72 Months | 5.99% | $16.57 |
| 84 Months | 6.99% | $15.09 |
| Up to 100% of Purchase Price + Taxes & Fees | ||
| MODEL YEAR 2023-2019 | ||
|---|---|---|
| Terms | APR* | Monthly Payment |
| (up to) | as low as: | per $1,000 Borrowed |
| 36 Months | 5.49% | $30.19 |
| 48 Months | 5.74% | $23.37 |
| 60 Months | 5.99% | $19.33 |
| 72 Months | 6.24% | $16.69 |
| 84 Months | 7.24% | $15.21 |
| Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. | ||
| MODEL YEAR 2018 & OLDER | ||
|---|---|---|
| Terms | APR* | Monthly Payment |
| (up to) | as low as: | per $1,000 borrowed |
| 36 Months | 7.49% | $31.10 |
| 48 Months | 7.74% | $24.29 |
| 60 Months | 8.24% | $20.29 |
| Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. | ||
Rates subject to change at any time. See full list of rates below.
Auto Loans Made Easy with MCU
Whether you’re buying a new or used car or refinancing your current loan, Madison Credit Union makes the process simple. With competitive rates for ALL credit scores—not just the best ones, an easy approval process, and friendly local service, we’re here to help.
Now until April 30th, we are giving away 5 FREE Kwik Trip Elite Car Washes^ with every qualifying vehicle loan. Madison Credit Union helps you finance your dream ride and keep it clean!
Flexible payment options – At MCU you control your auto loan. With terms up to 84 months, you can pick the monthly payment that works best for your budget. Plus you can pay monthly, bi-weekly or even weekly.
No penalties for early payoffs – We understand what it’s like to have monthly payments. If you pay your loan off early, we will be there celebrating with you!
No payments for 90 days3 – Get your auto loan and don’t make a payment for 90 days.
Confidence in your lender – We won’t sell your loan to another lender, it will be managed in-house for the life of the loan.
Low rate leader – Our priority is and always will be our members. We strive to consistently offer great low rates across all of our products.
All the extras – Along with auto loans we offer other services including Payment Protection Insurance, Warranty Plans and Guaranteed Protection Insurance.
| New Vehicles: 2024 & New* | ||||||
|---|---|---|---|---|---|---|
| Credit Score | 750+ | 749-700 | 699-660 | 659-630 | 629-600 | 599-0 |
| A+ | A | B | C | D | E | |
| Up to 36 Months | 5.24% | 5.49% | 5.99% | 6.99% | 7.99% | 9.99% |
| 37 to 48 Months | 5.49% | 5.74% | 6.24% | 7.24% | 8.24% | 10.24% |
| 49 to 60 Months | 5.74% | 5.99% | 6.49% | 7.49% | 8.49% | 10.49% |
| 61 to 72 Months | 5.99% | 6.24% | 6.74% | 7.74% | 8.74% | 10.74% |
| 73 to 84 Months | 6.99% | 7.24% | 7.74% | 8.74% | 9.74% | 11.74% |
| Up to 100% of Purchase Price + Taxes & Fees | ||||||
| Used Vehicles: 2019-2023* | ||||||
|---|---|---|---|---|---|---|
| Credit Score | 750+ | 749-700 | 699-660 | 659-630 | 629-600 | 599-0 |
| A+ | A | B | C | D | E | |
| Up to 36 Months | 5.49% | 5.74% | 6.24% | 7.24% | 8.24% | 10.24% |
| 37 to 48 Months | 5.74% | 5.99% | 6.49% | 7.49% | 8.49% | 10.49% |
| 49 to 60 Months | 5.99% | 6.24% | 6.74% | 7.74% | 8.74% | 10.74% |
| 61 to 72 Months | 6.24% | 6.49% | 6.99% | 7.99% | 8.99% | 10.99% |
| 73 to 84 Months | 7.24% | 7.49% | 7.99% | 8.99% | 9.99% | 11.99% |
| Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. | ||||||
| Used Vehicles: 2018 & Older* | ||||||
|---|---|---|---|---|---|---|
| Credit Score | 750+ | 749-700 | 699-660 | 659-630 | 629-600 | 599-0 |
| A+ | A | B | C | D | E | |
| Up to 36 Months | 7.49% | 7.74% | 8.24% | 9.24% | 10.24% | 12.24% |
| 37 to 48 Months | 7.74% | 7.99% | 8.49% | 9.49% | 10.49% | 12.49% |
| 49 to 60 Months | 8.24% | 8.49% | 8.99% | 9.99% | 10.99% | 12.99% |
| Up to Kelly or NADA retail value, or cash price on contract, whichever is lower. | ||||||
Loan Calculator
Buyout Your Lease
Can’t find a new car? Like the car you are currently leasing? We’ll help you buyout your current auto lease agreement.
In a market where used car prices are often higher than new car prices, the buyout option at the end of a lease could be a great opportunity for real savings, especially if you have a slightly used car. Alternatively, if you are looking at heavy fees after you turn in your vehicle, buy it out instead and save on the fees.
Auto Warranty
MCU works with Vision Warranty Corporation in the Allstate® Family to offer Three Levels of No Hassle Warranty Coverage. You are protected against costly mechanical breakdowns without the dealer warranty price tag and can choose the licensed repair facility. See complete coverage breakdown here.
Call us at 608-266-4750 or email us with any questions.
Guaranteed Auto Protection Insurance (GAP Insurance)
GAP is Total Loss Protection and then some… In a study from the car gurus at Black Book, the moment you drive your vehicle off the lot it depreciates approx. 11%. In total a car will depreciate 20-30% in just the first year and, on average, 15%-18% each year for the following two to six years.
GAP insurance helps offset costs if your vehicle is stolen or totaled and you owe more on the car than what it’s worth. Unless you are putting down a large down payment, GAP insurance might be right for you.
Call us at 608-266-4750 or email us to learn more.
Payment Protection Credit Insurance
Protect what matters most and ease your financial concerns by selecting Payment Protection Credit Insurance. Pays your loan payments (up to contract limit) in the event of illness or disability. Reduces or pays off insurance loan balance in the event of death. Call us at 608-266-4750 or email us to learn more.
Helpful MCU Blog Posts
* APR is annual percentage rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. $1,000 new money required.
1 “New vehicles “are model year 2024 and newer. Other rates and terms available.
2 “Used Vehicles” are model year 2019-2023. Other rates and terms are available.
3 Interest continues to accrue during 90 day period.
^ Receive a Kwik Trip Gift Card for 5 Free Elite car washes with the closing of a qualifying auto loan. Offer valid while supplies last. Promotion valid 3/01/25-4/30/25.
