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Vehicle Center

Our loan process is painless and completely online—even signing the paperwork—so there’s no need to visit one of our branches.

If you’re in buying mode, getting a Pre-Approved Express Check from us should be your first step. You’ll have all your financing squared away before you head to the dealership, and that will make for a quicker, easier, and stronger negotiation at the dealership or with the current owner.

Plus, you’ll know how much you can afford to spend and how much your monthly payment will be right from the get-go.

Start your search today! Use our participating dealer network which extends our financial services beyond our physical locations, meeting you wherever your vehicle-buying process takes place. Participating dealerships can securely submit your loan application to MSDFCU on your behalf while you are at the dealership. This integrated process saves you time, reduces paperwork, and ensures that your financing is seamless! 

Not looking to purchase a new or used vehicle but want to save money? We are also here to guide you through refinancing, or a lease buy-out. 


Get into the vehicle you want with a competitive interest rate and up to 84 months in loan terms.

  • No appraisal
  • Finance new or used cars and trucks
  • Pre-approvals for bargaining leverage available
  • Refinance an existing loan for a lower rate to save money
  • Restrictions on vehicle age only - no used vehicles over 7 years 

View All Auto Rates 

Drive away in the older model car you’ve been eyeing with a great rate and flexible financing for up to 60 months.

  • No appraisal
  • Finance used cars and trucks
  • Pre-approvals for bargaining leverage available
  • Refinance an existing loan for a lower rate to save money
  • Restrictions on vehicle age only - Used vehicle aged 8-10 years only. No used vehicles over 10 years.

 

View All Auto Rates 

We offer loans for pop-up campers, trailer campers, 5th-wheel campers, and self-propelled motor homes.

  • Only models 2011 or newer (2011 in 2026) 
  • 10 to 20-year RV loan terms
  • Used RV max milage 75,000
  • No private sales

View All RV Rates

Take advantage of competitive interest rates and upgrade to your dream bike. 

  • Loan terms up to 72 months
  • Financing up to $40,000

View All Motorcycle Rates 

What are you waiting for?

Start taking the following steps to make it happen! 

 

Get a preapproved auto loan. Apply online or by phone at 215-996-3700.
We will notify you when your preapproval is completed, usually on the same day.

Complete your loan documents. Bring your preapproved express check when shopping; it will make for a quicker,
easier, and stronger negotiation at the dealership or with the current owner.

Finalize your car loan financing using eSignature.

Helpful Auto-Buying Tools

Insurance Services

Protect what is yours with our insurance coverage options and get members-only discounts on vehicle protection with our partner TrustageTM.

Insurance Verification – Submit proof of insurance for an auto loan you have with MSDFCU.

Purchasing Assistance

CUDL Network – We have lending relationships with a number of area auto dealers. When you shop at any of these dealers, you can apply on the spot for Credit Union financing. Just identify yourself as a Merck Sharp & Dohme Federal Credit Union member.

Vehicle Research

NADA Guide – Use this free tool to search and compare vehicles and their costs.

Kelley Blue Book – Know what your vehicle is worth before trading it in.

Edmunds.com – Offers True Market Value pricing, unbiased car reviews, ratings, and expert advice.

1 - Finance charges will accrue from the loan origination date.