Skip Navigation Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view,download Adobe® Acrobat Reader.

Merced School Employees Federal Credit Union Homepage

Young man in new car sticking his had out the window smiling.

Auto Loans

Merced School Employees Federal Credit Union
cu@home Login

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 great rate and a payment that won’t slow you down! 

New and Used Vehicles

Cruise the “Golden State” in a vehicle registered and titled in California with up to 115% financing plus warranty and GAP.  With terms up to 84 months. 

Apply Now!


Make an Appointment with a Loan Officer

We know life gets busy, so next time you need to meet with a loan officer, make the process quicker and schedule an appointment for a time that's right for you. Click the button below to find out the different ways to make an appointment with a loan officer.

Make an Appointment


Make an Auto Loan Payment

Need to make a payment? Click the button below to make a one-time payment through our MSEFCU Payment Portal. Please note, the portal can only be used with Debit/Credit Cards from another financial institution and there is a $5 convenience fee for each payment.

Make a Payment

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 to assist you in finding 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 800-234-6999 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!

Female business owner on phone with paperwork on desk

Maintaining stability in your budget and personal finances can be difficult. Find out how our partner, BALANCE, can help make it easier for you to stay on top of your financial situation!
juice purchase with card will woman smiles with card machine

Get the power to make purchases wherever you are, whenever you need to, without draining your savings!
mature woman on mobile phone while young man smiles

Access your accounts anywhere, anytime with our mobile app. With just a few taps on your smartphone or tablet device, the power to manage your accounts is at your fingertips!