Buying a Car

Before you set foot in a dealership, be sure to speak with your friends at MPS Credit Union. We can help you find your car at a rate that will leave you plenty of money for gas.
We'll work closely with you to secure accommodating repayment terms — up to 84 months for new vehicles. Make sure the dealer doesn't take you for a ride. Enjoy extra bargaining power with free pre-approval. Get off the lot and on the pavement in no time — apply for your auto loan online!

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Details

  • Competitively low, fixed rates on new or used vehiclesLooking fir
  • A wide range of terms customized to your unique situation
  • Up to 84 months for new vehicles
    • Up to 84 months for used vehicles
    • Up to 100% MSRP for new vehicles, plus tax, license, title fees, and optional insurance products
  • No penalties for early pay off
  • Make repayment easy with payroll deduction
  • Pre-approval available for extra bargaining power at the dealership
  • Insurance protection available:
    • GAP Insurance
    • Mechanical Breakdown Protection
    • Credit Life/Disability Insurance
  • Local decision-making and processing in Miami
  • Attentive, friendly service from start to finish

Looking for a used car?

We will get you behind the wheel in no time. We offer affordable rates and local decision making so you’ll get your answer fast!

All of our vehicle loans come standard with low competitive rates along with the following benefits and features:

  • A wide range of terms customized to your unique situation
    • Up to 84 months for used vehicles
    • Up to 100% MSRP for new vehicles, plus tax, license, title fees, and optional insurance products
  • No penalties for early pay off
  • Make repayment easy with payroll deduction
  • Pre-approval available for extra bargaining power at the dealership
  • Insurance protection available:
    • GAP Insurance
    • Mechanical Breakdown Protection
    • Credit Life/Disability Insurance
  • Local decision-making and processing in Miami
  • Attentive, friendly service from start to finish

Driving Sense

How would you like a vehicle financing program that combines the best features of conventional vehicle financing with the benefits of leasing? DrivingSense™ has the low monthly payments of a lease plus the best part of conventional financing — actually owning the vehicle. The low monthly payments give you more car for your money, and you have the valuable equity that comes with owning your vehicle!

The DrivingSense Loan is similar to a lease but better

The advantages include:

  • No up-front costs or early termination feesNo higher insurance premium
  • Easy “walk-away” option at loan maturity
  • Lower monthly payments
  • Vehicle is titled in borrower’s name – you OWN the vehicle!
  • Available on new & used vehicles up to 5-years-old
  • Trade-in, pay-off, refinance, or sell at any time
  • Trade-in tax credit & no property taxes

View the chart below to see how DrivingSense compares to a conventional loan, or click here to use our interactive calculator

Comparison Chart
Loan InformationConventional LoanDriving Sense Loan
Loan Amount $36,000 $36,000
Interest Rate 5.25% APR 6.00% APR
Number of Payments 36 36
MONTHLY PAYMENTS $1,083.02 $745.38

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