Get behind the wheel with a competitive auto loan or car financing solution designed for credit union members.
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Effective 12/09/2025: We require that all applicants be members.
Buying your next car, pickup or SUV should be exciting. Market USA's hassle-free financing will keep everything moving forward on a positive note. Enjoy a speedy application process, lock into a low rate and even give your budget a break with no payments for two months.
Protect your vehicle and your finances with coverage options designed to give you peace of mind and long term financial security.
Research and purchase your next vehicle through our partner, TrueCar. Easily compare prices, features, and save on your next vehicle purchase with exclusive pricing tools.
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Skip-a-Payment3 on your Market USA auto loan twice a year for a nominal fee. Simply log in to Online Banking or our Mobile App, select "Skip a Pay" from the Tools menu, and follow the prompts.
Rates effective as of 2/11/2026.
*Rates shown include a .25% discount for automatic payment and an additional 0.50% for having a qualifying Reward Rate Relationship (eStatements and one of the following: direct deposit of at least $500 per month and an active checking account or at least $25,000 on deposit). 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
1 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.
2 100% financing may be impacted if vehicle selling price is substantially higher than vehicle value. Subject to credit approval.
3 A minimal processing fee per loan will be charged to your savings or checking account based on your monthly payment. Interest will continue to accrue on unpaid loan balance. To qualify for an extension, loan must be open for at least 90 days and in good standing. Certain restrictions apply. Call for details.
Market USA Federal Credit Union is a full-service financial institution with locations in Maryland and South Carolina as well as nationwide locations through the Shared Branch Network.
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Yes, you can apply for a pre-approved loan which can help you save time and money when shopping for a car. With a pre-approval, you will know how much you can afford to borrow and what interest rate you qualify for. This can give you more bargaining power when negotiating at the dealership.
Yes, there are no prepayment penalties
Yes, you can refinance your auto loan you have elsewhere. This is a great option if you would like to reduce your loan rate or payment or change your loan term.
In Digital Banking, choose Skip a Pay on the Tools menu to check your eligibility.
You can find your due date in Online Banking by selecting your loan, then Account Details, or in the Mobile App by selecting your loan, then Show Details. Your loan due date will also be included on your statement/eStatement.
Protect the things that matter most.
Financial protection for what your auto insurance may not cover.
Essential protection against unexpected repair costs.
Find the best option for you.