Vehicle Loans


Easily apply for your auto loan at over 15,000 participating CUDL (Credit Union Direct Lending) dealerships or stop by any MERCO branch for low, fixed rates on new and used vehicles. For even lower monthly payments, finance your vehicle, motor home or boat for as long as 84 months (subject to credit approval). Up to 130% financing is available on new and late-model used vehicles.

Credit Union Direct Lending (CUDL) Is Available to MERCO Members
CUDL is an automated loan approval system providing access to MERCO auto loans while you’re wheeling and dealing at the dealership. CUDL gives members pre-approved car loans on the spot for new auto purchases. You can get a great MERCO auto loan rate without ever visiting a branch. Approvals only take three to five minutes!

To use CUDL, look for the CUDL logo at your auto dealership or visit to locate participating dealers near you.

Credit Union Direct Lending

MERCO vehicle loans offer the following great benefits:

  • Competitive rates based upon your credit history.
  • 130% auto financing
  • Convenience – Apply for a loan by mail, fax or stopping into a branch.
  • Payroll Deduction – Set up your loan payments through convenient payroll deduction and receive up to .50% discount on your loan rate.

Click here for current auto loan rates. Call or visit one of our branches to apply for loan.

Click Here to Apply Now

Kelley Blue Book Kelley Blue Book

Kelley Blue Book is your guide to pricing when you are ready to buy or sell a car. It gives you the information you need to make informed choices, whether you are buying a new or used car, or selling or trading in your current car. Click here to get new and used car-pricing reports for free.