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Vehicle Loans

 

With Merck Employees Federal Credit Union, we offer flexible terms and no pressure! With terms as long as 72 months, we are committed to getting you on the road in a ride that best fits your style.

New Auto & Used Auto

Whether you are looking to buy a new car from the dealer, buy out your lease, refinance your current vehicle or purchase a car from someone down the street, Merck Employees FCU can help you get on the road faster with a vehicle loan through us.

Apply for a Vehicle Loan

Looking for vehicle insurance? Check out the exclusive rates from TRUSTAGE for Merck Employees FCU members.

Current Rates*

Term ANNUAL PERCENTAGE RATE
24 months     3.25%
36 months     3.25%
48 months     3.50%
60 months     3.75%
72 months     4.00%
84 months     4.25%

*Rates presented are the lowest rates available. Other rates and terms available based on vehicle, term and creditworthiness.

Car Loans 101

Learn the basics of buying a car and the different options available for financing and leasing.

Explore Car Loans

Wanting to purchase a motorcycle, boat, or RV? Let Merck EFCU assist you in your next endeavor by borrowing up to 100% of the cost. Find the best option for you to get you on the road, in the water, or in the air!

Motorcycles

New Motorcycles

  • Borrow up to 100% of the cost of a new motorcycle

  • Refinance new motorcycle loans from other lenders

Used Motorcycles

  • Borrow up to 100% of the retail value as defined by the N.A.D.A. Used Motorcycle Guide

  • Refinance new motorcycle loans from other lenders

Boats/RVs

New Recreational vehicles (boats, RVs, campers, etc.)

  • 100% of purchase price (excluding tax and motor vehicle charges)

  • Maximum 72 month repayment

Used Recreational vehicles (boats, RVs, campers, etc.)

  • Maximum loan N.A.D.A. Used Retail value

  • Maximum 72 month repayment

Apply for a Vehicle Loan

Current Rates

Term ANNUAL PERCENTAGE RATE
24 months     3.25%
36 months     3.25%
48 months     3.50%
60 months     3.75%
72 months     4.00%
84 months     4.25%

*Other rates and terms available based on vehicle, term and creditworthiness.


The Department of Energy and the Environmental Protection agency have developed the fuel economy website, www.fueleconomy.gov. The website features updated fuel economy data for new and used passenger vehicles dating back to 1984, allows side-by-side comparisons, and offers fuel saving tips. The website also contains vehicle-specific air pollution emissions information and safety ratings and provides links to car buying websites.