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MSUFCU | Personal | Loans

Loans for All Your Needs

Apply Now for an MSUFCU Auto Loan!
From cars to homes to anything you need, get the financing you need with an affordable monthly payment from MSUFCU. Because we’re a credit union, our rates are typically lower and that means a lower payment for you. If you don’t see a loan that meets your needs, contact us. Our loan specialists are here to help you find the financing you’re looking for.

Vehicle Loans

If you're shopping for a car, truck, motorcycle, RV, boat, or personal watercraft, MSUFCU can help. We offer great low rates, no application fees, no prepayment penalties, and flexible terms to fit your budget. Stuck in a high interest loan? Refinance your current vehicle with MSUFCU today and enjoy lower rates!

Apply Now for an MSUFCU Auto Loan!If it’s time for a new (or new-to-you) set of wheels, we’ll help you get more car for your dollar. Our quick and easy preapproval process can get you into your new car in no time! Estimate a Payment.

  • No application fee
  • No down payment required
  • Flexible terms up to 84 months with no prepayment penalties
  • Easy preapproval online, by phone, or at a branch

We’ll Give You the Power of Negotiation
Get preapproved for your new auto loan to know your maximum loan limit and we’ll give you a ReadyLoan Check to complete your purchase. A ReadyLoan Check is a blank check written up to your preapproval amount. It’s valid for 180 days, so you have plenty of time to find the car that’s right for you. When you’re ready to buy, just fill in the vehicle information and purchase details and hand it over to the seller!


New & Used Auto Loan Rates1
 Loan Terms  APRs
Up to 36 months as low as 1.99% APR
37 to 48 months as low as 1.99% APR
49 to 60 months as low as 2.74% APR
61 to 72 months as low as 2.74% APR
73 to 84 months as low as 3.49% APR


1APR is Annual Percentage Rate. Rates for vehicle loans are stated for qualified members having high credit scores. Actual rates may be higher and will be determined by member credit score.


Loan Payment Example: The monthly payment per $1,000 borrowed at 2.19% APR for a term of 36 months would require 36 monthly payments of $28.73 based on 30 days to first payment. Credit is subject to approval. Rates, terms, and, conditions are subject to change at any time based on market conditions or other business factors.

Home Loans

If you’re in the market to purchase or build a home, MSUFCU has the tools to help you reach your goals.  We offer competitive rates and various loan options to meet your needs. View our mortgage timeline.

Personal Loans

MSUFCU offers a variety of personal loans and lines of credit with great low rates and flexible terms to fit your budget and your financial needs.


MSUFCU Routing Number: 272479663

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