Auto, Motorcycle & Boat Loans in Northwest Indiana
Whether you’re eyeing a new car, upgrading your motorcycle, or getting ready for summer on the lake, Members Source Credit Union offers flexible financing with rates that are hard to beat.
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This is an estimate for planning purposes only. It is not an application, a pre-approval, or an offer of credit. Your actual Annual Percentage Rate, term, and payment are based on your credit history and the loan you qualify for, and may differ from the figures shown here. Estimate does not include tax, title, license, or optional protection products.
We’re a local lender based in Merrillville, which means you work with real people who understand your needs — not an automated system at a national bank.
Features include:
- 100% financing available for new and pre-owned vehicles
- Flexible terms up to 84 months
- Low annual percentage rates
- No penalties for early payoff
- Loan protection: GAP insurance, life & disability insurance, extended vehicle service contracts
Buying from a dealer? Ask about getting pre-approved with MSCU so you can shop with confidence.
Auto Rates
Rates Effective: September 1, 2026
| Year | Term | APR as low as* | Aprx. payment per $1000 |
|---|---|---|---|
| 2016 & Newer | 36 Months | 3.99% | $29.40 |
| 2016 & Newer | 48 Months | 5.00% | $23.03 |
| 2020 & Newer | 60 Months | 5.25% | $19.00 |
| 2020 & Newer | 72 Months | 5.49% | $16.34 |
| 2025 & Newer | 84 Months | 6.00% | $14.61 |
| 2016 & Newer | 36 Months | |
|---|---|
| APR as low as* | 3.99% |
| Aprx. payment per $1000 | $29.40 |
| 2016 & Newer | 48 Months | |
| APR as low as* | 5.00% |
| Aprx. payment per $1000 | $23.03 |
| 2020 & Newer | 60 Months | |
| APR as low as* | 5.25% |
| Aprx. payment per $1000 | $19.00 |
| 2020 & Newer | 72 Months | |
| APR as low as* | 5.49% |
| Aprx. payment per $1000 | $16.34 |
| 2025 & Newer | 84 Months | |
| APR as low as* | 6.00% |
| Aprx. payment per $1000 | $14.61 |
*Actual Annual Percentage Rate (APR) determined by borrower's credit score.
Credit criteria must be met to qualify. APR listed includes discount of .25% for direct deposit
and/or autopay and .25% for eStatements.
Boat/Motorcycle/RV Rates
Rates Effective: September 1, 2026
| Year | Term | APR as low as* | Aprx. payment per $1000 |
|---|---|---|---|
| 2016 & Newer | 36 Months | 6.49% | $30.60 |
| 2016 & Newer | 48 Months | 7.50% | $24.20 |
| 2020 & Newer | 60 Months | 7.75% | $20.20 |
| 2020 & Newer | 72 Months | 7.99% | $17.50 |
| 2025 & Newer | 84 Months | 8.50% | $15.54 |
| 2016 & Newer | 36 Months | |
|---|---|
| APR as low as* | 6.49% |
| Aprx. payment per $1000 | $30.60 |
| 2016 & Newer | 48 Months | |
| APR as low as* | 7.50% |
| Aprx. payment per $1000 | $24.20 |
| 2020 & Newer | 60 Months | |
| APR as low as* | 7.75% |
| Aprx. payment per $1000 | $20.20 |
| 2020 & Newer | 72 Months | |
| APR as low as* | 7.99% |
| Aprx. payment per $1000 | $17.50 |
| 2025 & Newer | 84 Months | |
| APR as low as* | 8.50% |
| Aprx. payment per $1000 | $15.54 |
*Actual Annual Percentage Rate (APR) determined by borrower's credit score.
Credit criteria must be met to qualify. APR listed includes discount of .25% for direct deposit
and/or autopay and .25% for eStatements.
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