All Loans > Auto Loans > Mountain America Credit Union Auto Loans Calculator
Important disclosure

Mountain America Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 13 October 2023
Fact checked

Mountain America Credit Union auto loans overview

Mountain America Credit Union logo

Mountain America Credit Union (MACU) offers a range of auto financing choices for purchasing and refinancing. Qualified members can fund new and pre-owned cars, trucks, SUVs, vans, electric vehicles, RVs, trailers, dirt bikes, boats, motorcycles, snowmobiles, ATVs, and more. Rates start at 7.39% APR, and repayment periods extend up to 72 months.

Want to see what a MACU auto loan will cost? Try the Mountain America 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 Mountain America Credit Union auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Up to 110% depending on your credit.
  • Interest rates: From 7.39% APR.
  • Loan terms: Up to 6 years.
  • Loan fees: No application fee.
  • Discounts: Rate discounts with MyStyle Checking.

MOUNTAIN AMERICA AUTO LOAN OPTIONS

New and used auto loans

You can choose between purchasing and refinancing through MACU’s flexible auto financing options. Interest rates begin at 7.39% APR, and you can stretch your loan terms for up to 72 months. Auto loans are available for new and used cars, trucks, SUVs, and vans.

Recreational vehicle and motorcycle loans

Mountain America also offers loans for recreational vehicles, motorhomes, travel trailers, campers, motorcycles, and more for as low as 9.24% APR. RV and travel trailer loans can extend up to 12 years, while motorcycle loans are up to 6 years.

Boat loans

You can apply for boat loans, too. Mountain America has new and used boat loans for as low as 9.24% APR with terms of up to 15 years.

Electric vehicle (EV) loans

You can also take out a loan for electric vehicles. EV loans start at 7.39% APR with a MyStyle Checking discount, and you can make your loan payments for up to 6 years.

Mountain America 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
Mountain America Credit Union

Mountain America Credit Union auto loan

Mountain America 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 Mountain America 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

SeeLoans.com provides factual information about financial products. While SeeLoans.com attempts to make a wide range of products and providers available, it may not cover all the options available to you. Moreover, we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. All product information comes from the product provider or publicly available information and to the best of our knowledge is correct at the time of publishing. The information published on SeeLoans.com is general in nature only and does not consider your personal objectives, financial situation or particular needs and is not recommending any particular product to you. If you decide to apply for a product, you will be dealing directly with that provider and not with SeeLoans.com. SeeLoans.com recommends reading the relevant product disclosure statement or product guide before taking up any financial product offer. Please view SeeLoans.com's Terms of Use for more information.

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 MACU auto loan

Eligibility criteria

Mountain America doesn’t disclose the auto financing requirements, but you should typically be:

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

Try to build your credit before applying to increase your chances of securing an auto loan. Credit unions vary in their lending criteria, but they normally provide the best offers to members with excellent credit scores.

How to join Mountain America

You can apply for membership as long as you meet one of the criteria below:

  • A resident of select Utah counties (Salt Lake, Duchesne, Wasatch census tract 940300, Uintah census tract 940100 or 940200)
  • A family member of an existing Mountain America member
  • Living with or under the same roof as an existing Mountain America member
  • An employee or volunteer of a Select Employer Group (SEG) or affiliated association

What you’ll need to have ready

Personal details

When you apply for auto financing with Mountain America 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 MACU 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.

Remember that a car loan is secured, so you put your vehicle on the line. Aside from preparing the documents, make sure your budget is also ready. Calculate the overall expense of financing your vehicle to avoid defaulting on your payments.

Ways to apply for a Mountain America auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 1-800-748-4302

Additional Mountain America Credit Union auto loan details

  • Automatic payment: Available.
  • Loan approval times: On the spot in most cases, but it may take up to 24 hours or more based on your application.
  • Rate discounts: 0.25% APR discount with MyStyle Checking.
  • Repayment frequency: Monthly.
  • Late payment fees: $25 or 5% of your monthly payment (whichever is higher).
  • Prepayment penalty: $0.
  • Co-borrowers allowed: Undisclosed.
  • Co-signers: Undisclosed.
  • Hardship program:Skip-a-pay allowed. (Learn more)
  • Ways to repay: Online banking, ACH, in a branch, and over the phone.

Vehicle restrictions and limitations

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

PROS AND CONS

Pros

  • Quick loan decisions.
  • Longer repayment periods.
  • No application fees and prepayment penalties.
  • Up to 110% financing.
  • Online pre-approval available.
  • 0.25% rate discount.
  • Convenient payment options – online banking, ACH, in person, and over the phone.
  • Loans available for new and used cars, RVs, trailers, dirt bikes, boats, motorcycles, snowmobiles, ATVs, watercraft, and utility vehicles.
  • Purchase and refinance offered.
  • Private and dealership purchases allowed.

Cons

  • Membership required.
  • Auto leasing unavailable.
  • Late payment fees involved.
  • Poor credit scores may lead to higher APRs.

FREQUENTLY ASKED QUESTIONS

How to apply for a Mountain America Credit Union auto loan?

You can apply online, over the phone, or in your preferred MACU branch.

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

You may need your most recent pay stub. But if you’re self-employed, prepare your last two years of tax returns.

What is the maximum length of a Mountain America car loan?

You can make your loan repayments for up to 72 months.

How long does a Mountain America Credit Union auto loan take to be approved?

In most cases, Mountain America can approve applications immediately. But sometimes, it may take up to 24 hours or more depending on your application.

Can I repay my MACU car loan early?

Mountain America Credit Union doesn’t charge early payment penalties when you pay off your loan sooner.

How do I pay my Mountain America auto loan?

You have several payment options – online banking, ACH, over the phone, and in person.

Does MACU refinance car loans?

MACU refinances existing auto loans from other lenders. So, you can transfer your loan to Mountain America Credit Union to lower your rate.

How long do I have to wait for my title once my vehicle has been paid off?

You may expect your vehicle title to be released 7-10 days from your payoff date.

Video: How to find the best car loan | Guiding you Forward

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.

.

Seeloans.com provides factual information in relation to financial products. While Seeloans.com attempts to make a wide range of products and providers available, it may not cover all the options available to you. Moreover, we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. All product information comes from the product provider or publicly available information and to the best of our knowledge is correct at the time of publishing. The information published on Seeloans.com is general in nature only and does not consider your personal objectives, financial situation or particular needs and is not recommending any particular product to you. If you decide to apply for a product you will be dealing directly with that provider and not with Seeloans.com. Seeloans.com recommends that you read the relevant product disclosure statement or product guide before taking up any financial product offer. For more information please see Seeloans.com’s Terms of Use and Services Guide.

© 2025 Seeloans.com