Vehicle Loans

Come to Meridian Trust for your car or truck loan. You’ll get a great low rate from Meridian Trust, your local credit union. Contact us today and we’ll get you started on the road to your new set of wheels.

  • For car and truck loans, Meridian Trust is your best choice.

    For years, we’ve been helping people get into the vehicle of their dreams. We offer low rates, fast service and friendly people. We have low rates so you can enjoy easy monthly payments.

    We can even get you pre-approved before you start shopping for your next car or truck. By getting pre-approved at Meridian Trust ahead of time, this means you can focus on the car or truck you want, and not worry about the financing part. Instead of negotiating with a dealer for the vehicle you want and then tackling the financing part with them, you can make your life much simpler by taking care of that with us ahead of time.

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    Rates

    Terms 84 months or less** Your Credit Score (Rates APR*)
    700+ 699-650 649-600 599-0
    Vehicles 2016 & Newer** 3.25% 4.25% 7.50% 9.50%
    Vehicles 2011 to 2015 3.25% 4.25% 7.50% 9.50%
    Vehicles 2010 & Older 4.25% 5.25% 8.50% 10.50%

    *APR = Annual Percentage Rate. Maximum terms for each loan type are set in the loan policy. All rates are subject to change without notice. Rates shown effective as of June 14, 2018. 

    **84 month terms are only for vehicles 2016 and newer.

    Credit qualification, age 18 or older and membership required.

    Rates shown here are good for all new loans to Meridian Trust, including refinancing of existing loans elsewhere to our lower rates. Meridian Trust loans will be refinanced only if there is a letter grade improvement in the borrower’s credit score, or the remaining principal balance on the loan is increased by 25% or more. A $25,000 Auto Loan for a term of 60 months with a $3.00% APR, the monthly payment will be $449.19. 

    You are not required to include income derived from alimony, child support, or separate maintenance payments for consideration on your application.

  • Get going with an RV loan to help you enjoy the great outdoors, anytime of the year.

    Recreational vehicle loans are available for:

    • Motorcycles
    • Motor Homes
    • Travel trailers
    • 5th wheel campers
    • Horse or stock trailers
    • All-terrain vehicles (ATVs)
    • Snowmobiles
    • Boats
    • Personal watercrafts

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    Rates

    Small1 Recreational Vehicle Loans

    Term 62 Months or Less Your Credit Score (Rates APR*)
    700+ 699-650 649-600 599-0
    5.25% 6.25% 8.25% 10.25%
    Vehicles 2010 & Older 6.25% 7.25% 9.25% 11.25%


    Large2 Recreational Vehicle Loans

    Term 63-84 Months**          Your Credit Score (Rates APR*)
    700+ 699-650 649-600 599-0
    5.50% 6.50% 8.50% 10.50%
    Vehicles 2010 & Older 6.50% 7.50% 9.50% 11.50%

    *APR = Annual Percentage Rate. Maximum terms for each loan type are set in the loan policy. 84 Month Terms and higher are only for Vehicles & RVs <= 2 years old (2016 and Newer). All rates are subject to change without notice. Rates shown effective as of January 16, 2018.  A $25,000 RV Loan for a term of 60 months with a 5.25% APR, the monthly payment will be $474.60. 

    **84 month terms and higher are only for RVs 2016 and newer.

    1Motorcycles, Snowmobiles, Horse Trailers, Utility Trailers, ATVs, and Jet Skis.

    2Travel Trailers, Boats, Motor Homes, Fifth Wheel Trailers, Tiny houses, Campers, and Airplanes.

    Credit qualification, age 18 or older and membership required. 

    You are not required to include income derived from alimony, child support, or separate maintenance payments for consideration on your application.

  • Mechanical Breakdown Protection covers your vehicle after the manufacturer's warranty has expired.

    The Premium Value Protection Plan covers components not covered by the factory drivetrain warranty and provides towing, rental, travel and tire road hazard benefits even during the warranty period.

    Easy enrollment and simple eligibility requirements.

    Don’t let a mechanical breakdown catch you off guard. Protect your investment and be prepared for the unexpected. Get your Mechanical Breakdown Protection quote below.

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  • GAP Protection covers your car loan.

    GAP (Guaranteed Asset Protection) is a non-insurance service that covers the "gap" that exists between your vehicle's value and the amount owed on your vehicle loan. Why you should get it:

    GAP protects you and your entire investment from substantial loss. GAP provides you with important security in the event of an unforeseen circumstance that could directly impact your ability to repay your vehicle loan.

    If you can't make your payments, GAP can make them for you. The coverage:

    • Can be added to a loan at the time it is opened or added during the life of a loan
    • Helps secure your good credit rating
    • Protects your family from an undue financial burden in the event you were to become disabled, lose your job, die, or were in any way unable to make your payments

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Meridian Trust can also make car shopping easy when you use our Auto Buying Service.

For more information on a Vehicle or RV loans, GAP Auto Loan Protection or Breakdown Protection, call 1.800.726.5644 or email.