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Merced School Employees Federal Credit Union Homepage

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Auto Loans

Merced School Employees Federal Credit Union
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Need a ride?  We can lend a hand.                         

Whether it’s a brand-new vehicle or new to you, we can get you on the road with a payment that won’t slow you down with rates as low as 3.14% APR*.

New and Used Vehicles

Cruise the “Golden State” in a vehicle registered and titled in California with up to 125% financing plus warranty and GAP.  With terms up to 84 months. 


Apply Now!


Credit Union Direct Lending (CUDL)

Finance your ride right from the car lot with a MSEFCU auto loan through a CUDL participating dealership.  Financing available within minutes, seven days a week - even holidays! 


AutoSmart from CUDL

This vehicle research tool is like a dating site for car buyers.  Find your perfect match by researching trade-in values, vehicle history checks and price comparisons all on AutoSmart



Roll out the red carpet.  This auto-buying concierge service is designed to save you time and money.  An Autoland advisor is available at the Main Branch to find you the best price on the car you’re searching for.  You can skip the dealership, as Autoland delivers the vehicle to MSEFCU after prepping, servicing, detailing and performing a safety check.  Drive away with peace of mind, knowing you got a good deal, great MSEFCU financing and royal treatment!  For more information call 209-388-0933 or visit the AUTOLAND website.

Loan Protection

The credit union offers Guaranteed Asset Protection (GAP) to help pay the difference, in the event your vehicle should be declared a total loss and the cash value of your vehicle is less than the amount owed on your loan.  Credit Life and Credit Disability Insurances through MEMBER’S CHOICE® from CUNA Mutual Holding Company is also available to protect your finances.


* For more information on the Annual Percentage Rate (APR) click here.

We're Here For You!

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Maintaining stability in your budget and personal finances can be difficult. We have partnered with BALANCE making it easy for you to stay on top of your financial situation
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Get the power to make purchases wherever you are, whenever you need to, without draining your savings!
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We're here whenever you need us. Our mobile app is available with just a couple taps!