Consumer Loans

Finance your CAR, TRUCK, SUV, VAN, or any vehicle with Mid Carolina Credit Union. We offer low fixed interest rates, flexible repayment terms, and pre-approvals on loans. We'll help you finance new or used vehicles…we also can help you with refinancing your current vehicle loan.

When you're shopping for a new or used vehicle, contact us first and get PRE-APPROVED! Then, you can shop the dealers for the vehicle that is right for you, and you will also get a great low rate. We have experienced Loan Officers who can help you sort through your financing options. For instance, it might not be in your best interest to take 0% financing; take the cash back instead and finance through Mid Carolina Credit Union - it will save you money. Talk to our Loan Officers, who will tell you why.

• Terms up to 84 months

• Financing up to 100% of sales price for qualified borrowers

• Pre-approval of your loan so you'll know how much you can spend before you even begin looking

We offer competitive rates that reward members who have protected their credit while allowing other members the opportunity to rebuild their credit.

• Terms up to 75 months

• Up to 100% NADA retail value

We offer competitive rates that reward members who have protected their credit while allowing other members the opportunity to rebuild their credit.

Whether you're on the road, on the water, or on the trail, we have a loan for whatever moves you. If you are thinking of that perfect boat, motorcycle, camper, or any other recreational vehicle, think of Mid Carolina Credit Union first for your recreational vehicle financing.

Boats, Motors, and Trailers

• Up to 100% Dealer Invoice

• Up to 84-month financing for new watercraft

• Up to 72-month financing for used watercraft

• Rates vary; see rate schedule

Motorcycles

• Up to 100% of sales invoice for new motorcycles

• Up to 100% NADA retail for used motorcycles

• Terms up to 60 months

• Maximum 80% financing on motorcycles classified as sport bikes

• Rates vary; see rate schedule

Campers and Motor Homes

• Terms up to 120 months

• Rates vary; see rate schedule

A personal, unsecured loan with a competitive rate can help you pay for almost any expense:

• Wedding costs

• New furniture or appliances

• Medical expenses

• Graduation expenses

• College tuition

• Home improvements

• Vacation

• Debt Consolidation

• ...you name it!

Features include:

• Terms up to 60 months

• Rates range from 9.90% to 18.00% APR*

WHY BORROW THE MONEY YOU ALREADY HAVE?
Keep building up your savings by borrowing smart from your Mid Carolina CU account. A Secured Loan is a great way to build credit, repair your credit, or just keep from using up the savings you've already accumulated.

HOW DOES IT WORK?
You select the number of funds that you'd like to place "on hold" in your Mid Carolina CU Savings Account or Share Certificate of Deposit (CD) for a pre-determined amount of time; then, you borrow the same amount of money at a low fixed rate. It's quick, simple, and available to all members regardless of credit score or prior borrowing experience.

• Maximum Term: Up to 60 months

• Rate: 4.00% APR*