Auto Loans

No Payments for 90 Days? Yes, Really.

Take a 3-Month Break from Auto Loan Payments
APPLY NOW
DETAILS

Whether you're buying new, refinancing, or upgrading — enjoy 90 days of no payments to catch your breath and plan your budget.

  •  Skip your first payment for 90 days

  •  Use the time to adjust your budget

  •  Interest still accrues — no hidden fees

  •  Available on all titled auto and recreational loans

Bonus Tip: Let your Member Service Representative know if you want an earlier first due date — it can be adjusted!

APPLY NOW

 

Founded in Lafayette, Louisiana

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Auto Loan Rates You'll Love

Auto Loan Rates for New Cars
Term APR* Financing Payment per $1000
Up to 60 months 3.99% Up to 115% $18.54
72 months (min. $15000) 5.24% Up to 115% $16.26
84 months (min. $25,000) 6.74% Up to 115% $15.01

 

*Your APR will be determined based on our internal credit criteria. Listed APRs assume an excellent credit rating. Minimum and maximum loan amounts or credit limits apply. Your APR may differ based on your loan amount, repayment method, and other factors. Rates as of 10/30/2025. View our most current rates here.

Auto Loan Rates for Used Cars
Term APR* Financing Payment per $1000
Up to 60 months 4.99% Up to 115% $18.91
72 months (min. $15000) 6.49% Up to 115% $16.85
84 months (min. $25,000) 7.74% Up to 115% $15.52

 

*Your APR will be determined based on our internal credit criteria. Listed APRs assume an excellent credit rating. Minimum and maximum loan amounts or credit limits apply. Your APR may differ based on your loan amount, repayment method, and other factors. Rates as of 10/30/2025. View our most current rates here.

Join Your Home Team.

 

Become a member of Meritus Credit Union today. With four Acadiana locations, we're just around the corner. Stop by one of our branches or open an account online today!

 

JOIN US!

Locator

Lafayette Branch

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Acadia Branch

Locator

Carencro Branch

Locator

Iberia Branch

 

*APR = Annual Percentage Rate. Credit Union membership required. Rates as low as 3.99% APR for up to 60 months for qualified borrowers. Actual rate will be determined based on creditworthiness, loan term and other factors. First payment will not be due for 90 days, but interest will begin accruing at the time of the loan funding. At a 3.99% APR, your estimated monthly payment is $18.54 for every $1,000 borrowed over 60 months. Offer valid from October 30, 2025, to February 28, 2026. Additional terms and conditions may apply. Federally insured by NCUA.