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New and Used Autos

Your car payment could use a holiday. No Payments Until 2027*

Introducing Auto Advisors

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Keep More Money in Your Wallet This Season 

Whether you’re shopping for a new vehicle, choosing a reliable used one, or looking for a better option on an existing auto loan, Metro Plus Credit Union is here to help you move forward with confidence.

For a limited time, finance a qualifying new or used vehicle—or refinance an eligible auto loan from another financial institution—and enjoy no payments until 2027.* If you’re refinancing, you may be able to save even more with a lower monthly payment or interest rate.

Check out our competitive rates and apply online with ease by December 31, 2026. You can also stop by or talk with a member of our friendly local lending team in Lexington, Kentucky.

Find the Right Auto Loan for You

New Auto Loans

Ready for something brand new? Metro Plus offers competitive rates and flexible terms to help make your next vehicle fit your budget. Qualified borrowers may finance up to 100% of the purchase price, including tax, tags, title, and eligible extended-warranty costs.

Used Auto Loans

A used vehicle can be a smart way to get the features you want at a price that works for you. We offer financing for qualifying used vehicles with competitive rates, flexible repayment options, and personal guidance from application through closing.

Auto Loan Refinancing

Refinancing replaces your current auto loan with a new loan. If your existing loan is with another financial institution, moving it to Metro Plus may help you lower your monthly payment, reduce your interest rate, or save money over the life of the loan. Your actual rate and terms will depend on your credit history and other qualifying factors.

Why Choose Metro Plus?

A great auto loan is about more than the rate. At Metro Plus, you get straightforward financing, local support, and service focused on your needs.

  • Competitive rates and flexible terms
  • Local lending decisions
  • A fast, convenient online application
  • Friendly, knowledgeable loan officers
  • Personalized service from start to finish

Ready to Get Behind the Wheel?

See how a Metro Plus auto loan could work for you. Apply online, visit a branch, or call us at (859) 258-3990. To take advantage of the limited-time no-payments-until-2027 offer, apply by December 31, 2026.*

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*Offer available on qualifying new and used auto loans and refinances of auto loans currently financed at another financial institution. Applications must be received by December 31, 2026. Minimum loan amount of $15,000 and minimum credit score of 640 required. First payment will be due in January 2027. Actual payment deferral period varies based on loan funding date and is approximately 90 days for loans funded in October 2026, 60 days for loans funded in November 2026 and 45 days for loans funded in December 2026. Interest will accrue from the date of loan disbursement during the payment deferral period. Actual rate and repayment terms are based on individual credit history. All loans are subject to credit approval. Auto loans currently financed with Metro Plus Credit Union are not eligible for refinance under this offer. Membership eligibility is required. Additional terms and conditions may apply. Federally insured by NCUA.

  • Low Rates

    Competitive low rates for affordable payments

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  • Convenient Payments

    Pay via automatic transfer, Bill Pay, payroll deduction, external account or debit card

  • Auto Insurance

    Member discounts on TruStage auto insurance

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  • Loan Protection

    Low-cost GAP Coverage, Extended Warranty, and more

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