Vehicle Loans

Our vehicle loans can be any consumer loan secured by a titled collateral such as auto, truck, ATV, motorcycle, etc. A vehicle can be used as collateral when you purchase it or; if you already own it, use the vehicle as collateral to secure a consumer loan such as bill consolidation, home improvement, vacation, or major purchase.

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Finance Directly at the Dealership

When you're shopping for your next vehicle, it's easy to get financing from MidWest America. Just tell your participating dealer that you want to finance through the Credit Union - they'll take care of everything right there in one stop.

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Vehicle Protection


Your vehicle is a major investment. That is why purchasing mechanical breakdown protection (MBP) is a wise choice. MBP can help ensure that
the investment in your vehicle is protected and reduces the possibility of out-of-pocket expenses when your vehicle suffers an unexpected mechanical failure.

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Depreciation Protection (DPW) protects the equity in a vehicle if you are financing less than 90% of the NADA retail value. If you made a large cash down payment on the vehicle, negotiated a lower cost, or received a great trade-in value, etc. find out how this product could help safeguard your investment. Contact a Member Service Representative for more information.

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In the event of theft or total loss of your vehicle, most insurance companies only pay the Cash Value of the vehicle at the time of the loss. Your remaining loan balance could be much greater than the Cash Value of your vehicle creating a deficiency of several thousand dollars that you're liable for. What is the "GAP" on your vehicle? You may be surprised at the answer!

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When you have debt protection on your loan, the Credit Union agrees to cancel or suspend all, or part, of your obligation to repay an extension of credit (from the Credit Union) upon the occurrence of a specified event. Events include: death, disability, and involuntary unemployment.

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