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Metro Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 10 October 2023
Fact checked

Metro Credit Union auto loans overview

Metro Credit Union logo

Metro Credit Union started in 1926 and offers auto financing choices to its multiple branches across Massachusetts. Qualified members can secure flexible financing for cars, trucks, motorcycles, boats, and recreational vehicles.

Want to see what a Metro auto loan will cost? Try the Metro 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 Metro Credit Union auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: $150,000.
  • Interest rates: From 7.39% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: Rate discounts for hybrid vehicles through the Go Green program.

METRO CU AUTO LOAN OPTIONS

New and used auto loans

Whether you’re looking for a new or pre-owned vehicle, you can secure one from Metro’s auto loans. Rates start at 7.39% APR, and you can extend your repayment term for up to 84 months. You may also get a discounted rate if you finance a hybrid vehicle.

RV and boat loans

Metro Credit Union also has loans tailored for recreational vehicles and boats. For boats, loan rates start at 7% APR with terms of up to 180 months. Then, the starting rate for RV loans is 9.75% APR, and the terms are up to 84 months.

Motorcycle loans

You can apply for new and used motorcycle loans, too. You can borrow up to $40,000 for as low as 7.24% APR for new motorcycles. But if you’re after used models, rates begin at 7.50% APR. Plus, you can make loan payments for up to 60 months.

Metro 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
Metro Credit Union

Metro Credit Union auto loan

Metro 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 Metro 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 Metro Credit Union auto loan

Eligibility criteria

Metro Credit Union doesn’t disclose the vehicle financing requirements, but you should normally be:

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

Other than the criteria above, it helps to build your credit profile, too. Banks, credit unions, and other lenders may have varying criteria. But usually, they offer the lowest rates to borrowers with excellent credit. So, boosting your credit score can help you get an ideal loan.

How to join Metro Credit Union

You can qualify for credit union membership if you meet one of the following requirements:

  • Live, work, study, or have a place of business in Barnstable, Bristol, Essex, Middlesex, Norfolk, Plymouth, Suffolk, Hampden, Hampshire, Franklin, and Worcester County, Massachusetts
  • Live, work, study, or have a place of business in Rockingham, Hillsborough, and Cheshire County, New Hampshire
  • A family member of a current Metro member

What you’ll need to have ready

Personal details

When you apply for auto financing with Metro 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 Metro 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.

Auto loans are typically secured. This means you may lose your vehicle if you fail to meet your payments and default on your loan. So, ensure you carefully plan your loan expenses and choose a deal you can comfortably manage in the long run.

Ways to apply for a Metro CU auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 877-696-3876

Additional Metro Credit Union auto loan details

  • Automatic payment: Available.
  • Rate discounts: Possible lower rates for members with excellent credit and discounts for hybrid vehicles.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Hardship program: Undisclosed.
  • Ways to repay: Metro Pay, online banking, over the phone, in person, and by mail.

Vehicle restrictions and limitations

  • Maximum vehicle age: 2014 model year.
  • Maximum vehicle mileage: 100,000 miles. New vehicles should have 5,000 miles or less.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Longer repayment terms.
  • Easy online application.
  • Joint application allowed.
  • Discounts for hybrid vehicles.
  • Purchase and refinance available.
  • Up to 100% financing.
  • Convenient loan payment options – Metro Pay, online banking, over the phone, in a branch, and by mail.
  • Loans available for new and pre-owned cars, trucks, motorcycles, boats, and RVs.
  • Auto insurance and Guaranteed Asset Protection (GAP) offered.

Cons

  • Membership required.
  • Undisclosed loan fees.
  • Potential higher rates for members with poor credit scores.

FREQUENTLY ASKED QUESTIONS

Are there discounts available on Metro Credit Union car loans?

Metro CU offers discounts on hybrid vehicles. You can get in touch with Metro to know more about the Go Green program..

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

You can conveniently apply online, call 877-696-3876, or drop by a branch office near you.

How do I pay my Metro CU car loan?

You can pay your auto loan through Metro Pay, online, over the phone, by mail, and in person.

How much do I qualify for with a Metro auto loan?

Metro Credit Union has up to 100% financing. Depending on your application, you may borrow up to $150,000.

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

While Metro doesn’t indicate the number of pay slips you need, you should commonly prepare 2 of your most recent pay stubs.

How much interest does Metro CU charge on vehicle loans?

2018 to 2024 model years start as low as 7.39% APR. Meanwhile, older models begin at 8.14% APR.

Video: Meet Chelsea, Metro’s newest employee!

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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