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Merck Sharp & Dohme Federal Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 08 October 2023
Fact checked

Merck Sharp & Dohme Federal Credit Union auto loans overview

Merck Sharp & Dohme Federal Credit Union logo

Merck Sharp & Dohme Federal Credit Union (MSDFCU) has been around since 1950 and is one of the largest credit unions in Pennsylvania. MSDFCU offers competitive auto financing for new and used cars, trucks, motorcycles, and recreational vehicles. Additionally, members can get exclusive auto insurance discounts of up to 10%.

Want to see what an MSDFCU auto loan will cost? Try the Merck Sharp & Dohme Federal 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 Merck Sharp & Dohme Federal Credit Union auto loan features

  • Minimum loan amount: $5,000.
  • Maximum loan amount: Up to 100% of MSRP or NADA retail value.
  • Interest rates: As low as 5.49% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: Member-only auto insurance discount.

MERCK SHARP & DOHME AUTO LOAN OPTIONS

New and used auto loans

MSDFCU offers affordable auto loans for purchasing and refinancing. The starting rate for new and used cars and trucks is 5.49% APR with terms of up to 84 months. Plus, you can conveniently apply and sign your documents online.

Motorcycle loans

You can fund pre-owned and used motorcycles, too. From 8.49% APR, you can borrow from $5,000 to $25,000 and extend your repayment period for up to 5 years.

Recreational vehicle loans

Other than cars and motorcycles, you also have RV loan options at Merck Sharp & Dohme. You can apply for rates starting at 8.99% APR with financing terms as long as 240 months. The credit union can finance up to 100% of MSRP or NADA retail value.

Merck Sharp & Dohme Federal Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
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Loan Amount

$25,000

Term

60 months

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Merck Sharp & Dohme Federal Credit Union

Merck Sharp & Dohme Federal Credit Union auto loan

Merck Sharp & Dohme Federal 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 Merck Sharp & Dohme Federal Credit Union 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 Merck Sharp & Dohme Credit Union auto loan

Eligibility criteria

Merck Sharp & Dohme doesn’t disclose the auto financing standards, but you should normally be:

  • A member of MSDFCU
  • At least 18 years old
  • A legal resident
  • Employed or have a reliable source of income

Other than awareness of the eligibility requirements, it helps to know the steps in getting a vehicle loan. This will allow you to prepare better and build on your application to increase your chances of loan approval.

How to join Merck Sharp & Dohme Federal Credit Union

You can become a Merck Sharp & Dohme member if you meet one of the following:

  • Work for Merck & Company, Inc.
  • Work for Flik International located in or supervised from West Point, including Merck’s national sales force, Wilson and Durham, North Carolina plants, and Telerex
  • A contractor working at or supervised by Merck & Co., Inc.
  • Work for any sponsor companies or belong to one of the associations in the charter
  • An employee/member, volunteer, or retiree of any of the above groups
  • An immediate family or household member of a current MSDFCU member

What you’ll need to have ready

Personal details

When you apply for auto financing with Merck Sharp & Dohme Federal 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 MSDFCU 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.

Since Merck Sharp & Dohme doesn’t disclose the other costs associated with its vehicle loans, ask about the loan fees. This will help you know what to expect, weigh your overall expenses, and plan your budget.

Ways to apply for an MSDFCU auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call (215) 996-3700

Additional Merck Sharp & Dohme auto loan details

  • Automatic payment: Available.
  • Loan approval times: It may take 1 business day to a few weeks based on your circumstance.
    Rate discounts: Potential lower APRs for members with excellent credit scores.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Undisclosed.
  • Co-signers: Undisclosed.
  • Hardship program: Find out your options here.
  • Ways to repay: Online banking and telephone banking.

Vehicle restrictions and limitations

  • Maximum vehicle age: Used vehicle model years 2016 to 2022.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Competitive APRs.
  • Flexible repayment period.
  • Purchase and refinance available.
  • Online application available.
  • Multiple partner dealerships.
  • On-site financing at participating dealerships.
  • Online pre-approval allowed.
  • Low minimum loan amount.
  • Up to 100% financing possible.
  • Auto insurance discounts for members.

Cons

  • Exclusive to members.
  • Undisclosed loan fees.
  • Unspecified vehicle restrictions.
  • Members with poor credit profiles may get higher interest rates.

FREQUENTLY ASKED QUESTIONS

Does Merck Sharp & Dohme Federal Credit Union refinance auto loans?

You can transfer your vehicle loan to MSDFCU and take advantage of the credit union’s competitive interest rates starting at 5.49% APR.

What is the maximum term of a Merck Sharp & Dohme auto loan?

You can stretch your repayment term for up to 84 months.

Can I apply for a Merck Sharp & Dohme car loan online?

Yes. Online applications are available for auto financing options.

Will applying for vehicle finance with MSDFCU affect my credit score?

If you submit or accept a formal application, it will require MSDFCU to conduct a hard credit check. This will then go on your credit report and slightly lower your score for a temporary period.

What information do I need to provide when applying for a Merck Sharp & Dohme car loan?

You need to indicate your personal and contact information plus your address and Social Security number. Moreover, Merck Sharp & Dohme will ask for details about your income and employment history.

How many pay slips does MSDFCU require during my auto loan application?

Though Merck Sharp & Dohme doesn’t indicate the exact requirements, you commonly need to prepare your 2 most recent pay stubs.

Video: MSDFCU All About Mobile

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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