Vehicle Loans

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(732) 594-3317

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

  • Borrow up to 100% of the cost of a new vehicle including sales tax and other charges

  • Borrow up to 90% of the cost of a new vehicle including sales tax and other charges

  • Borrow up to 75% of purchase price of a new vehicle including sales tax and other charges

  • Refinance new car loans from other lenders up to 1 model year old

Used Auto

  • Borrow up to 100% of the Retail value as defined by the N.A.D.A. Used Vehicle Guide (prior 8 model years)

  • Borrow up to 100% of the Lending value as defined by the N.A.D.A. Used Vehicle Guide (prior 8 models) at a lower rate

  • Refinance car loans from other lenders

Current Rates*

Term
Annual Percentage Rate
24 months2.75%
36 months2.75%
48 months3.00%
60 months3.25%
72 months3.50%

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


Wanting to purchase a motorcycle, boat, airplane, 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 up to 1 year old

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 up

Boats/Airplanes/RVs

New Recreational vehicles (boats and aircraft)

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

  • Maximum 72 month repayment

  • Other terms available for loans over $75,000

Used Recreational vehicles (boats and aircraft)

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

  • Maximum 60 month repayment

  • Other terms available for loans over $75,000

Current Rates

Term
Annual Percentage Rate
24 months2.75%
36 months2.75%
48 months3.00%
60 months3.25%
72 months3.50%

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

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