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Vehicle Loans

Refinance your auto loan at Mainstreet and receive 1% cash back*

You can receive 1% cash back up to $300 by refinancing with Mainstreet Credit Union.

We offer no payments for up to 90 days with qualified credit, and auto loan rates are as low
as 2.49% APR.**  Offer good through May 31, 2014.

* Receive 1% cash back, or $300.00, whichever is less, when you let Mainstreet refinance your auto loan from another financial institution.
This offer is limited to vehicles 10 years old or newer. Approvals are contingent upon meeting Mainstreet’s underwriting requirements, such as
but not limited to, income and loan to value requirements. Minimum loan amount is $5,000.00. Existing Mainstreet Credit Union loans do not
qualify for this offer. Cash back amount will be deposited into the member share account as an extraordinary dividend at the time the loan is
disbursed. Offer valid through May 31, 2014. Mainstreet Credit Union reserves the right to terminate this program at its discretion.

**Actual annual percentage rate (APR) is based on borrower’s creditworthiness. Offer good through May 31, 2014.



You can also take advantage of one-stop shopping with Credit Union Direct Lending (CUDL). Purchase your next vehicle from one of our partner dealers and you can complete your loan documents right at the dealership. Go to our home page and click on the CUDL button at the bottom of the page to learn more.

*Actual annual percentage rate (APR) is based on borrower’s creditworthiness. 100% financing available with qualified credit.


Bank MembersYour vehicles are important to you. That's why it's important to us to help you find the right loan at the right  rate. Whether you're looking for a new or used car, motor home or ATV, Mainstreet Credit Union has the loan for you! Our loans feature:

  • Competitive Rates
  • Prepayment Without Penalty
  • Flexible Terms
  • Credit Disability or Credit Life Insurance

We also offer 100% financing, an optional 90-day deferment on your first payment, and the ability to apply online or by phone 24 hours a day! Check out each loan type below.

New Auto

Mainstreet offers low rates on new cars, trucks, vans and SUVs. And, you can shop like a cash buyer and bargain for the best price with a pre-approved auto loan. We offer flexible payment options and terms so you can tailor your payment to fit your budget. Finance up to 100% of your new car purchase, including tax, warranties and loan protection coverage. You can even apply for your loan online or by phone 24 hours a day and defer your first payment for 90 days if you wish.

Used Auto

You'll find low rates on used autos at Mainstreet. Financing is available for all model years, and we can even refinance an existing loan from another financial institution. With flexible payment options and terms, we'll help you choose the plan that fits your needs and budget. Apply online or by phone 24 hours a day.

Other Vehicle Loans

Simplify the process of buying your boat, travel trailer, or motor home with pre-approved financing from Mainstreet Credit Union. With low rates, terms up to 15 years and 100% financing, why look anywhere else? These loans feature:

  • Great low rates
  • 100% financing
  • Loan terms up to 15 years (Based on minimum amount financed)
  • Optional 1st payment deferment for 90 days

Off-Road Vehicle/Motorcycle

Mainstreet can make your dream of outdoor adventure a reality with an off-road vehicle/motorcycle loan whether you're into speed, snow, water or rugged terrain. With terms up to 48 months, 100% financing (with qualified credit) and low rates, Mainstreet can tailor your payments to fit your budget. Special rates and terms are also available for new and used Harley-Davidson motorcycles. Apply for your loan online or by phone 24 hours a day.

Loan Protection Coverage

Unfortunately, accidents, injuries and deaths occur every day. With the numerous financial responsibilities you take on, it's important to protect yourself and your family from the financial effects of a sudden disability or death.

Credit Life/Disability

What is MEMBER'S CHOICE Credit Life/Disability Insurance?

It's a way to help cover your family. There's no way your family can prepare for an unexpected death or disability due to injury or a medical-related illness, but you can take steps along the way to make sure your family is provided for if the unforeseen were to happen. MEMBER'S CHOICE Credit Life or Disability Insurance helps pay your loan, so your loved ones don't have to.*

How does it work?

The premium is included in your monthly loan payment. If you have a balance on your loan at the time of your disability or passing, MEMBER'S CHOICE Credit Life or Disability Insurance can help. By taking a few simple steps while signing your loan paperwork, you're helping take responsibility for your family's financial future. Your loan officer can show you how. You won't receive extra bills or statements; everything is included in your monthly payment.

You can cancel within the first 30 days for a full refund, or any time after that if you change your mind. If at any point you have questions, or if your family needs to file a claim, simply contact your credit union. Once you complete the loan documents, coverage begins for eligible borrowers.

Why is it valuable?

MEMBER'S CHOICE Credit Life Insurance will pay off your loan, and your family may not have to make payments from savings, salary or from other life insurance.* Your life insurance may be used for your family's other expenses.

MEMBER'S CHOICE Credit Disability Insurance will help pay your loan while you're totally disabled.* Regular disability insurance only covers a fraction of your salary and that's if you qualify. This helps close the gap. It's a safety net for your family so they don't have to use savings while you're totally disabled or medically ill.

*For terms of your contract agreement; up to your policy maximum.

GAP (Guaranteed Asset Protection)

Most automobiles depreciate by thousands of dollars as soon as they are purchased. Unfortunately, if your vehicle is stolen, accidentally damaged beyond repair, or otherwise declared as a total loss, you are still liable to pay the difference, or the "gap" between your insurer's settlement and your loan balance. That gap will come out of your pocket for a vehicle that, for all practical purposes, no longer exists.

GAP Insurance is a low-cost coverage that pays the potentially high-cost difference between your insurance settlement and your loan balance on items directly related to the purchase of your vehicle. For just a few dollars a month, GAP can save you from making loan payments on a car, truck or other vehicle that's beyond repair or stolen and not recovered. Mainstreet also offers GAP Plus coverage which includes an additional feature that will give you up to $1,000 toward your down payment of a replacement vehicle as long as it is financed with us. Consider GAP coverage on your next auto purchase -- it can save you thousands of dollars for just a few dollars per month.


Loan Application by Phone 
Apply by phone 24 hours a day by calling (913) 599-1010 option #7 or toll-free at (888)359-1010 option #7.

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