Applications can be submitted online by logging into your account via ComputerLine and selecting "Apply for a Loan" or by logging into the Mobile App and selecting "Apply for a Credit Card or Loan". You are also welcome to contact us over the phone at 517-333-2424, contact us via Live Chat, or visit any MSUFCU branch location.

Upon approval of an auto loan with MSUFCU, and after receiving your signed MFLA form and any loan contingencies are met, you may choose a ReadyLoan Check which is a blank check you are able to complete to purchase your vehicle, or a cashier's check. Please note a cashier's check is required for auto loan refinances or if the vehicle currently has a lien placement. If you prefer a cashier's check, we will ask for the following information at that time:

• Vehicle identification number (VIN)
• Year, make, model and color of vehicle
• Current mileage
• Any additional special features the vehicle may have
• Dealership or seller's name and phone number

You will be able to provide the check type of your choosing to the dealership, or private seller, for the purchase of your vehicle.

(Please note, some dealerships are not currently accepting MSUFCU ReadyLoan Checks at this time. Please contact the dealership to confirm.)

There are several options available to make loan payments. We offer manual one time payments or automatic payments based on your preference, and you may pay from an internal MSUFCU account or directly from another financial institution. Please note that if you have financed a vehicle through financing through the dealership prior to being a member, you will initially need to login to your new MSUFCU account. Please reach out to a representative for assistance if needed.

Members can choose:

• Internal transfer from an MSUFCU share using MoveMoney > Transfer Money in ComputerLine or the Mobile app. MoveMoney can also be used to schedule reoccurring payments from an MSUFCU savings or checking account.
• Manual one-time payment from an external account which can be initially set up by going to MoveMoney > Manage Preferences > External Transfers/ACH Accounts
• Automatic recurring payments from another financial institution by completing an ACH Origination form which can be located on our website here
• Loan payment by mail. Loan payments should be mailed to:

MSU Federal Credit Union
PO Box 4097
East Lansing, MI 48826-4097

For express mail, please send your payment to:
MSU Federal Credit Union
3777 West Rd.
East Lansing, MI 48823

To find your loan payoff amount please contact us for assistance.

You can view our current interest rates here. The term of the loan, and your Experian Credit Score, will affect the interest rate that we will be able to offer. We would be happy to review a full application over the phone at 517-333-2424, via Live Chat, in an MSUFCU Branch location, or you can apply online when logged into ComputerLine by selecting "Apply for a Loan".

GAP, or Guaranteed Asset Protection, is a service offered by MSUFCU for additional coverage on your vehicle. If elected on an eligible vehicle loan, the $499 GAP fee can be paid in full or added to your loan. In the event that the vehicle is deemed a total loss due to accident or theft, GAP may reduce or eliminate the remaining balance on the loan after the insurance payout has been applied. Additionally, our GAP includes Deductible Assistance. If your vehicle has a comprehensive or collision claim but not deemed a total loss and you have paid your deductible to your primary insurance carrier, Deductible Assistance will cancel the amount of deductible paid, up to $500, on your loan.

If you have any specific questions about any details or costs associated with GAP, please reach out to an MSUFCU Representative.

Click here to learn more.