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Auto Loans

Get behind the wheel with a sweet financing deal. 

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Our auto loan process is as laid back as a Sunday drive

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.

  • Preapproved Auto Loans to take the hassle out of car shopping
  • Auto loans for new and used vehicles
  • Competitive rates designed to save you money
  • Payment terms up to 84 months
  • Make no payments for 2 months1 when you finance your vehicle with us or move your existing loan from another lender.
  • Finance up to 100% of your purchase price plus tax and tags.2
  • Another refinancing opportunity - use the equity you have in your vehicle for a Cash-Out Loan that puts extra money in your hands.


Research and purchase your next vehicle through our partner, TRUECar.

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Get some breathing room

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.

Features & Benefits

Auto Loan Rates
Loan Term New Auto APR as low as Used Auto APR as low as
36 Months 5.49%1 5.49%1
48 Months 5.49%1 5.49%1
60 Months 5.99%1 5.99%1
72 Months 6.24%1 6.24%1
84 Months 7.49%1 7.49%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

Loan Calculators

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.

100% financing may be impacted if vehicle selling price is substantially higher than vehicle value. Subject to credit approval.

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.