Loans

Auto Loans - New & Used

A simple interest loan, secured by a new or used automobile.

Standard Loan Features

  • Competitive rates for purchasing a new or used vehicle, or refinancing an existing vehicle loan
  • Option to defer first payment up to 90 days*
  • Easy pre-approval process puts you in better negotiating position
  • Convenient repayment by automatic transfer from your METRO account
  • Generous loan amounts & flexible terms (see loan rates table)
  • Comprehensive, low-cost Mechanical Breakdown Protection, GAP & Debt Protection available
  • Rate discount available with purchase of two or more protection products
  • New vehicle financing available up to 120%* of Manufacturer Suggested Retail Price (MSRP) price including tax, title, license & warranty
  • Used vehicle (1) financing up to 115%* retail Kelley Blue Book, including tax, title, license & warranty
  • No pre-payment penalties

Before you head down to the dealer, talk with us first. We can pre-approve you in minutes, so you know up front what your loan amount, interest rate & term will be. Call us at 619.297.4835 today.

* Based on credit worthiness. Not all borrowers will qualify.
(1) Used vehicle financing on vehicles up to 8 years old.


See Loan Rates for additional information.

*Payment may be deferred for up to 90 days from loan funding. Interest will accrue during the deferral period. Offer available on new Vehicle Loans only.


Green-Light Auto Loans (1)

Discounted rates - plus a FREE roadside companion kit
Opt for automatic payments from the Access Checking account (a pre-requisite for the Green-Light Auto Loan), and enjoy a rate reduction of 0.25%.
  • Loan amounts available for up to $20,000
  • Flexible terms
(1) If Green-Light Auto Loan applicant is under the age of 18, primary applicant must be age of majority.

All loans subject to approval.