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Financial Calculators

Get back on the road with a low-rate auto loan from MOVFCU. Our local experts will work with you to find a personalized loan option suited to your needs — whether you are looking to purchase or refinance. 

In addition to personalized service, we offer some of the most competitive rates and flexible terms in St. Charles County. All of our decisions are made locally for fast, easy approvals — so finance your dream vehicle now with Missouri Valley.

  • Finance a new or used vehicle
  • Competitive rates
  • No payment for up to 90 days1
  • Get pre-approval for better buying power
  • New vehicle loans up to 120% MSRP/NADA
  • Used vehicle loans up to 120% NADA
  • Flexible terms up to 7 years*
  • Auto equity loans available
  • Optional Loan Protection options, including GAP Advantage 
  • Local decision-making and processing in St. Charles County
  • Attentive, friendly service from start to finish

Classic/antique automobile financing available:

  • Vehicle must be at least 25 years old; considered a classic
  • Up to 100% NADA or appraised value
  • Terms up to 7 years

*Minimum loan balance applies to terms greater than 48 months. Subject to credit approval. Loan to value (LTV) is based on collateral age and other risk factors. APR = Annual Percentage Rate. 


1 Deferred first payment: When taking advantage of a 60 or 90 day first payment option, it is important to know the details. Offer valid on new and used auto purchases, including refinances from another financial institution. Exisiting Missouri Valley Federal Credit Union loans and Real Estate and Credit Cards are not eligible for the deferred first payment offering. Interest will still accumulate at the daily rate from the date of loan disbursal. Interest that accumulates during the “60 or 90 day” extended first payment period will be paid with the first payment, then normal principal reduction and interest payment will resume. Deferred first payment promotions are subject to change at any time without notice.  Membership and credit eligibility required. All loans are subject to approval and not all applicants may qualify for this offer.