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Express Check

Before you visit a dealer, contact Market USA for an Express Check. If you qualify, Market USA will give you a check up to your pre-approval amount1. When you visit a dealer with a check in-hand, you'll be in a better position to negotiate!

Make No Payments for 2 Months!

Make no payments for 2 months2 when you finance your vehicle with us or move your existing loan from another lender.

Save Time and Money with TRUECar

Use our free research tools to find the information you need to buy with confidence: research your trade-in value, compare vehicle features, lock in your savings and more. Plus, you can see what others paid for the new vehicle you want so you never overpay. Receive a .25% rate discount3 when you purchase your vehicle through our Car Buying Service, powered by TRUECar.

Use the Value of Your Car for a Cash Out Auto Loan

Have the title to your car and need cash now? You can borrow the NADA loan value of your car. Don't have your car completely paid off but have equity built up? You can also use that equity to gain some cash now.

Protect Your Investment with Low-Cost Insurance Products

We can offer you peace of mind with Debt Protection, Mechanical Repair Coverage (MRC) and Guaranteed Asset Protection (GAP) Plus on your vehicle, typically at lower costs than what you will find at the dealership.

Auto Loan Rates
New/Used/Refinance Term APR as low as
36 Months 1.79%1
48 Months 2.24%1
60 Months 2.49%1
72 Months 2.99%1
84 Months 4.04%1
1 Rates shown include a .25% discount for automatic payment and an additional 0.50% for having a qualifying Reward Rate Relationship. Rates for vehicles 7 years and older are 3.00% above the stated rate. Your actual rate may vary depending on credit and discounts taken. Rates are also applicable to Cash Out Auto (Title) Loans.
Rate Disclosures   View All Rates

No Payments for 2 Months2

No down payment - finance up to 100% of your purchase price plus tax & tags4

No prepayment penalty

Loan Rates

Our loan rate pricing shows the lowest rates available, which include:

  • Selection of an automated payment method, and e-Statements
  • An additional 0.50% discount for having a qualifying Rewards Rates relationship
  • Receive an additional .25% discount off your qualifying rate when you purchase your vehicle through TRUECar3

All rates are subject to change, credit certification and approval. The stated rates are the lowest available and your rate may be higher.

Discounts do not apply to Credit Cards, Certificate & Share Secured Loans, Lines of Credit, Fresh Start and Home Equity Loans/ Lines of Credit and First Mortgages.

Rewards Rate

To qualify for the Rewards Rate, you must have e-statements AND one of the following

  • Direct deposit of at least $500 per month and an active checking account
  • At least $25,000 on deposit


  1. Subject to credit approval.
  2. Payments can be made during the two month deferral period. During the two month payment deferral, interest will accrue and may extend the original term of the loan. Offer does not apply to refinancing auto loans currently with Market USA. Offer is subject to change without notice. Market USA vehicle financing obtained through or initiated by an auto dealership within the Credit Union Direct Lending (CUDL) networks does not qualify for two month payment deferral.
  3. Receive a .25% rate discount for purchasing your vehicle through our Car Buying service. To qualify for this discount, you must purchase your vehicle from a certified dealer listed on your savings certificate within 30 days of loan approval.
  4. 100% financing may be impacted if vehicle selling price is substantially higher than vehicle value. Subject to credit approval.