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Vehicle Loans

1/2% off APR* or $150 Hy-Vee gift card** 

when you refinance your vehicle with Mainstreet. 

*Receive ½ % off your current Annual Percentage Rate (APR), with a floor of 1.99%, when you refinance your auto or Harley loan from another financial institution. Offer limited to vehicles 10 years old or newer. Approvals are contingent upon meeting underwriting requirements such as, but not limited to income and loan to value requirements. Minimum loan amount is $10,000.00. Existing Mainstreet Credit Union loans do not qualify for this offer. Actual APR is based on borrower’s creditworthiness. **$150 Hy-Vee gift card can be used at Hy-Vee grocery store and Hy-Vee gas station locations only. Gift card is not redeemable for cash.  Gift card cannot be used at an ATM. The dollar value of the gift card will be processed as an extraordinary dividend and may result in taxable income for the recipient. Gift cards are subject to all applicable federal, state, and local laws and regulations. Mainstreet reserves the right to terminate this program at its discretion. Void where prohibited by law. Offer good through May 31, 2016.

Auto Avenue

You can also take advantage of one-stop shopping with Auto Avenue. 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 Auto Avenue 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 80% financing, why look anywhere else? These loans feature:

  • Great low rates
  • 80% financing of MSRP or NADA retail ( $25,000 minimum loan, depending on credit and age of unit)
  • 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 60 months, 80% 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 Disability Insurance

Credit Disability and Credit Life Insurance

Credit Life Insurance

Joint Credit disability Insurance


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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