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Marine Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 06 October 2023
Fact checked

Marine Credit Union auto loans overview

Marine Credit Union logo

Marine Credit Union (MCU) was formed in 1949 and has flexible vehicle financing options in select Illinois, Minnesota, Iowa, and Wisconsin counties. You can easily and quickly apply online to know your interest rate and term. Additionally, there are loans available for a range of new and used vehicles – cars, trucks, boats, motorcycles, RVs, and more.

Want to see what an MCU auto loan will cost? Try the Marine Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key Marine Credit Union auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Undisclosed.
  • Interest rates: Undisclosed.
  • Loan terms: Undisclosed, but it’s commonly up to 72 or 84 months.
  • Loan fees: Undisclosed.
  • Discounts: Undisclosed.

MARINE CU AUTO LOAN OPTIONS

New and used auto loans

Marine offers new and pre-owned loans for cars and trucks to help members achieve their dream vehicles. Plus, the credit union has flexible options even if you’ve been rejected for credit before. However, you need to contact MCU to know your annual percentage rates (APR), terms, and how much of the purchase price you can borrow.

RV, boat, and motorcycle loans

If you’re looking to go on a road trip or travel the sea, MCU has tailored loans for you, too. You can finance used and new RVs, boats, ATVs, motorcycles, motor homes, and snowmobiles.

Marine Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

Change
Marine Credit Union

Marine Credit Union auto loan

Marine Credit Union auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Marine Credit Union auto loan
Pacific Marine Credit Union, California

Pacific Marine Credit Union, California auto loan

Pacific Marine Credit Union, California auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Pacific Marine Credit Union, California auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a Marine Credit Union auto loan

Eligibility criteria

Marine doesn’t disclose the exact standards for vehicle financing, but you should commonly meet the following requirements:

  • A member of Marine CU
  • 18 years old or older
  • A legal resident
  • Employed or have a reliable source of income

Remember that car loans are typically secured loans. Meaning you may risk losing your vehicle if you default on your loan. So, make sure you have your budget ready and that you can comfortably afford your loan in the long run.

How to join Marine Credit Union

To become a member, you or someone you live with should live, work, or worship in select counties in:

  • Illinois
  • Minnesota
  • Iowa
  • Wisconsin

What you’ll need to have ready

Personal details

When you apply for auto financing with Marine Credit Union, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

Documents

You may need to provide Marine CU with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

Other than preparing the loan documents, it helps to know the steps in getting a car loan, too. This can equip you with the right strategies and help you weigh your options before deciding.

Ways to apply for a Marine CU auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 800-923-7280

Additional Marine Credit Union auto loan details

  • Automatic payment: Available.
  • Rate discounts: Potential more competitive rates for members with excellent credit.
  • Repayment frequency: Weekly, bi-weekly, and monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: None.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Hardship program: Undisclosed.
  • Ways to repay: Online banking, over the phone, by mail, and in a branch.

Vehicle restrictions and limitations

  • Maximum vehicle age: Undisclosed.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Weekly, bi-weekly, and monthly loan payment options.
  • Convenient monthly payment methods (online, over the phone, by mail, and in person).
  • Fast online application.
  • Loans available for new and used cars, trucks, RVs, boats, ATVs, and motorcycles.
  • Co-borrowers allowed.
  • Flexible financing options.
  • Autopay available.
  • No prepayment penalties.

Cons

  • Limited to members.
  • Undisclosed current auto loan rates.
  • Unspecified loan terms and loan fees.
  • Potential higher rates for members with low credit scores.

FREQUENTLY ASKED QUESTIONS

How long does it take to apply for a Marine CU car loan?

Online applications can take around 3 minutes to complete.

How to apply for a vehicle loan at Marine Credit Union?

You can easily apply online or drop by a branch office near you.

How do I pay my Marine Credit Union car loan?

You can make your monthly payments online, by phone, by mail, and in a branch.

Are there early repayment fees on MCU auto loans?

None. You can pay off your vehicle loan early. To know your final payment details, you can reach out at 1-800-923-7280.

How many pay slips does MCU require during my car loan application?

Though MCU doesn’t disclose the requirements, you usually need your 2 most recent pay stubs when applying.

What information do I need to provide when applying for MCU vehicle finance?

You need to supply your personal and contact details plus your Social Security number. Also, MCU may ask for employment and income information.

Will applying for a car loan with Marine CU affect my credit score?

A formal application requires financial institutions to make a hard credit check. This will then appear on your credit report and slightly drop your score by a few points. However, this is only temporary, and you can build your credit by making timely payments.

Video: Marine Credit Union – MORE auto loan

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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