MERCO Looks at More Than Just Your Credit Score

MERCO Looks at More Than Just Your Credit Score

At MERCO, you are more than just a number. We care about our members and see you from a broader perspective than your credit score alone. We look at your relationship with MERCO, your payment history with us and the special circumstances contributing to your credit environment. Regardless of where you are in your credit journey, we will listen and do what we can to support your loan needs.

Get the Best Auto Loan + the Best Credit Card in Town…It’s a Two-fer!

  • Auto rates as low as 2.29% APR* for up to 72-month term
  • Auto loan approval = automatic Visa® Card
  • Competitive rates based upon your credit history
  • 130% auto financing
  • Buy your auto from a Merced County dealership and receive a .50% APR discount
  • Set up your loan payments through payroll deduction and receive up to .25% discount on your loan rate

Call (209) 723-4285 or come by one of our branches in Atwater, Merced or Mariposa today to apply for your loan. Or, visit your local Merced County auto dealer and ask for MERCO auto financing.

*APR = Annual Percentage Rate. Rate and term may vary based on credit rating and loan amount. Stated rate includes a .25% APR reduction for automatic payment and .50% APR reduction for buying locally in Merced County. Other restrictions may apply. A $20,000 loan at 2.29% APR for 72 months = $297.56 per month.