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Auto Loan Refinancing

Enjoy No Payments for 60 Days and a $100 Gas Card!

Key Features 

  • E-Sign Available
  • Local Processing
  • Quick Decisions


You love your car but hate your monthly payments. It's a tale as old as time. But now you can put yourself in the driver's seat with an auto refinance from MACU. The process is simple and the perks are huge! 

  • Flexible terms and competitive rates
  • Apply in person, online, or by phone
  • No prepayment penalty
  • Payment protection available
  • Discount CarFax reports available
  • Personal service for the life of the loan
  • Quick, local decision-making and processing
  • Attentive, friendly service from start to finish

Loan Protection

We offer multiple options to protect you and your loan.


(with complimentary auto deductible reimbursement)


Guaranteed Asset Protection (GAP) coverage is a voluntary program offered as protection on a new, used, or refinanced car, truck, SUV, motorcycle, RV, or boat. If your vehicle is stolen or declared totaled, your auto insurance company will only pay you the actual cash value of the vehicle at the time it was totaled and you are left to pay the difference. That's where GAP kicks in and pays the difference, or "gap", that you still owe on your loan.


The “PLUS” is an additional benefit of $1,000 towards your next vehicle loan at Millstream Area Credit Union if financed within 90 days of the GAP claim settlement.


As a Thank You for purchasing GAP PLUS coverage, you also receive enrollment in the Auto Advantage Program which reimburses up to $500 per loss (UNLIMITED losses per year) when a loss is filed and paid by the auto insurance company. The enrollment period is for three years and it applies to any vehicle for which the Member is on the title or registration AND is designated as a Named Insured on an auto insurance policy.

Debt Protection

Life can be wonderful. But it can also get complicated when unexpected things happen. Protecting your loan balance or loan payments against death, disability or involuntary unemployment could help protect your finances.

This protection could cancel your loan balance or loan payments up to the contract maximums.

Life Plus adds protection for life events such as accidental dismemberment, terminal illness, hospitalization, family medical leave, and the loss of life of a non-protected dependent. Protect your loan balance or loan payments today so your family can worry a little bit less about tomorrow.

Purchasing protection is voluntary and won’t affect your loan approval. It’s simple to apply.

Available coverages include:

 In the Event Of…
In the Event Of…
In the Event Of…
Involuntary Unemployment
What Happens…Protected borrower passes away.A covered disability occurs due to injury or illness.A covered job loss occurs.
It Cancels This…
up to the contract maximums
Your payments or loan balance.Your loan payments.Your loan payments.
You May Be Eligible If You…Have an eligible loan.Are a permanent employee who is actively working.*Are a permanent employee who is actively working.*

*Refer to the Member Agreement for a full explanation of terms and conditions.


*Credit terms, qualifications, and conditions apply. Promotional products and rates are available for a limited time only and subject to change at any time without notice. Promotional products and rates cannot be combined with other offers.

What our
Members say

I had an amazing experience getting a loan for my first car purchase! It was a quick and easy process thanks to all the help from Shawna! She got me the best deal possible on a loan and was super helpful and explained everything so that I understood it all. I highly recommend!! Thanks a bunch Shawna :) I appreciate your help and love my new car!

Madison S.

Bank from anywhere.

It's that easy.