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 Repair Coverage, 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.
Estimate Coverage Cost for Guaranteed Asset Protection (GAP), Mechanical Repair Coverage (MRC) or Debt Protection
For Consumer Loan with GAP or MRC
For Consumer Loan with Debt Protection
For Credit Card Loan with Debt Protection

*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.