Vehicle Loans

Get preapproved today.

Apply Now

Get more smiles per mile!

Our vehicle loans can be any consumer loan secured by a titled collateral such as auto, truck, ATV, motorcycle, etc. A vehicle can be used as collateral when you purchase it.

  • New and used cars and trucks
  • Refinancing and pre-approval
  • 90 days no payment

For more information on your available lending options, visit your local office or call us at 800-348-4738 today.

 

Apply Now

 

 

 

Resources

 

What will my monthly payment be?



Mechanical Breakdown

Reduces out-of-pocket expenses when your vehicle has mechanical failure.

Get a Quote

Guaranteed Asset Protection

Get extended protection for your vehicle in the event of theft or total loss of your vehicle.

Get a Quote

Loan Protection

We offer loan payment protection in case the unexpected happens.

Get a Quote

Depreciation Protection

Protects the equity in a vehicle if you are financing less than 90% of the NADA retail value.

Get a Quote

 

First Time Auto Buyer

Start your journey with confidence.

We understand that buying your first car can be overwhelming, which is why we're here to make it easy and affordable for you. First-time car buyer programs allow you to get vehicle financing even if you have no credit or cosigner.

  • No Credit History Required: Don't worry if you don't have a credit history yet. Our program is designed to help first-time buyers secure financing based on other factors. Having a minimum of 6 months of work history will increase your chances of qualifying.
  • Special Financing Rates: Benefit from competitive financing rates tailored for first-time buyers, making your dream car more affordable than ever. 
  • Flexible Loan Terms: Enjoy flexible loan terms designed to fit your budget and lifestyle, ensuring that your monthly payments are manageable. 
  • Dedicated Support: Our team is committed to providing you with exceptional member service throughout the buying process. We'll be with you every step of the way.
  • Get Preapproved: "Get pre-approved before you start shopping." It may be helpful to know how much you have to spend on your vehicle so you can confidently shop. Ask us how to get pre-approved. Income will need to be verified prior to approval.
  • Open a checking account and receive a 0.25% rate discount! 
  • Ask about our Relationship Perks program for additional discounts  
For more information on applying for the First Time Auto Buyer program, visit your local office or call us at 800-348-4738 today.
 First Time Auto Buyer Program

Finance Directly at the Dealership

When you're shopping for your vehicle, just tell your participating dealer that you want to finance through your Credit Union - they'll take care of everything right there in one stop.

Vehicle protection

MidWest America offers additional protection plans on vehicle loans to our members.

Mechanical Breakdown

Reduces out-of-pocket expenses when your vehicle has mechanical failure.

Get a Quote

Guaranteed Asset Protection

Get extended protection for your vehicle in the event of theft or total loss.

Get a Quote


Loan Protection

We offer loan payment protection in case the unexpected happens.

Get a Quote

Depreciation Protection

Protects the equity in a vehicle you are financing.

Get a Quote


Vehicle Protection Plan

The Vehicle Protection Plan program provides a wide range of reimbursable protection services for consumers including: 

  • Tire & Wheel Road Hazard Protection, includes Cosmetic Wheel Repair

  • Key/Remote Replacement

  • Paintless Dent Repair

  • Windshield Repair

24-hour emergency roadside assistance is also available. Consumer protection services include:

  • Towing

  • Emergency Road Service

  • Essential Fluids Delivery

  • Flat Tire Assistance

  • Emergency Battery Service

  • Lockout Services

Get a Quote