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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 amount2. When you visit a dealer with a check in-hand, you'll be in a better position to negotiate!

Save Money with a Low Auto Loan Rate and $100 Cash Bonus!

You'll receive a $1001 cash bonus when you finance your new purchase with us or move your existing loan from another lender. With our low rates, you will be able to put more cash in your pocket with a lower monthly loan payment. The cash bonus is only available for a limited-time, so don't miss out!

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 1.69%*
48 Months 1.99%*
60 Months 2.40%*
72 Months 2.80%*
84 Months 3.69%*
*Rates shown include a .25% discount for automatic payment, a .10% discount for e-Statements, 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

$100 cash back bonus (limited time offer)1

No down payment - finance up to 100% of your purchase price plus tax & tags2

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

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 a Rewards Rate, you must have TWO (2) of the following relationships:

  • Direct Deposit of at least $500 per month into a Checking Account at Market USA
  • A qualifying loan in good standing or new loan that includes: Mortgage, Home Equity, Auto, and active (at least one transaction per month) Credit Cards
  • At least $25,000 on deposit


  1. Offer is for a limited time only. You must mention the promotional code NM100 to receive the $100 cash incentive with this offer. Loan amount must be $10,000 with a term of at least 36 months. Deposit of $100.00 will be made into the primary member's savings account within 30 days after the loan is closed. Auto loans currently financed through Market USA cannot be refinanced with this offer.
  2. 100% financing may be impacted if vehicle selling price is substantially higher than vehicle value. Subject to credit approval.
  3. 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.