Auto Loans



Whether you are looking for a new car, used car, motorcycle, boat, snowmobile, ATV or RV, we are your one-stop-shop for all of your borrowing needs.

We think your borrowing experience should be as easy and rewarding as possible, and we’ll do all we can to set you up with the payment structure that works best for you. We offer convenient payment options, such as a monthly coupon book, cash payments, monthly transfer from your Credit Union Savings, payroll deduction, or direct deposit.

To apply for a loan, you can visit one of our seven locations, or apply online.


Loan TypeAPR* as low asTerm
New Vehicle (2022- 2024)
3.69%up to 48 mo.
4.00%up to 60 mo.
5.00%up to 72 mo.
6.00%up to 84 mo.
Used Vehicle (2018 - 2022)
3.79%up to 48 mo.
4.29%up to 60 mo.
5.49%up to 72 mo.
6.49%up to 84 mo.
Used Vehicle (2013 - 2017)
4.50%up to 48 mo.
5.50%up to 60 mo. if loan amount is over $10,000
Used Vehicle (2008 - 2012)
8.99%up to 48 mo.
Used Vehicle (2007 & older) max mileage 150,000
7.50%up to 36 mo.
8.50%up to 48 mo.
DRIVE4LESS (New 2022 - 2024)
4.69%up to 48 months
5.00%up to 60 months
6.00%up to 72 months
DRIVE4LESS (Used 2018 - 2022)
4.79%up to 48 months
5.29%up to 60 months
6.49%up to 72 months
New ATV/Snowmobile/Motorcycle (2023 listed as new or within 6 mo. of new)
3.95%up to 36 mo.
4.95%up to 48 mo.
5.95%up to 60 mo.
6.95%up to 72 mo.
Used ATV/Snowmobile/Motorcycle (2013 - 2023)
4.25%up to 36 mo.
5.25%up to 48 mo.
6.25%up to 60 mo.
7.25%up to 72 mo.
Older Motorcycle (2012 & older)
7.25%up to 36 mo.
8.25%up to 48 mo.
New Camper/Boat (2023 listed as new or within 6 mo. of new)
4.49%up to 60 mo.
5.49%up to 72 mo.
6.49%up to 84 mo.
7.19%up to 120 mo.
Used Camper/Boat (2013 - 2023)
5.49%up to 60 mo.
6.49%up to 72 mo.
7.49%up to 84 mo.
Older Camper/Boat (2009 - 2012)
8.99%up to 48 mo.
Older Camper/Boat (2002 - 2008)
9.75%up to 42 mo.
(*)APR=Annual Percentage Rate - Rates and Terms are subject to change without notification.

If you received a notice from us requesting evidence of current insurance, because it is required as a condition of your loan agreement, please use this secure site to submit proof of insurance, check the status of your submission, or view the insurance history of your loan. You can also find answers to the most commonly asked questions about the insurance reporting process.

The information you provide is kept private and is only used to complete your insurance coverage record with us.

Please click on link to submit your insurance information requested to

Protect your peace of mind with Mountain Laurel Federal Credit Union powered by Forevercar

As your car gets older, the risk of repairs increases.

Repairs are expensive and you could be at risk.


Cost of Car Repairs Graphic

Enjoy the freedom of comprehensive mechanical repair coverage without the long-term contract.

Take advantage of this exclusive member benefit from Mountain Laurel Federal Credit Union.

  • Convenient monthly payments
  • Use the licensed repair facility of your choice
  • No mileage limitations – drive as much as you would like*
  • Customize your deductible
  • 24/7/365 emergency roadside assistance
  • Extended benefits that may not be covered by your manufacturer’s warranty
  • Rental car and emergency travel expense reimbursement
  • No long-term contracts

*Plan duration and mileage limitations are different for plans purchased in the state of WA.
Please call (866) 792-6292 for more information.

Get a free quote today at


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Consumer Loan Calculator


Consumer Debt Protection is available to borrowing members at a reasonable cost. This protection covers loss of life, disability, and involuntary unemployment. Ask a CU Rep. for more information.


Gap Insurance is available to borrowing members at a reasonable cost. Gap Insurance helps pay the difference between a vehicle’s actual cash value and the member’s loan balance according to provisions and conditions set forth in the waiver. Ask a CU Rep. for more information.