Get moving with 3.99% APR
Auto, RV, boat, and motorcycle loans with rates as low as 3.99% APR!
Enjoy real perks
Whether you're buying something new (to you) or looking to lower your payments, our loans have perks.
Pay early
With no prepayment penalties
Flexible terms
Various lengths to meet your needs
Great coverage
With M1's warranty, GAP insurance, and more
How it works
We’ll help you find the right loan and get you on the road or water with rates as low as 3.99% APR.
What our members say
"Great credit union and super friendly staff. Always there to help with you."
Tiffany D.
Member
"The people that work here are awesome! Very personable and you feel like family. Could not be happier with this small town feel with big city offering credit union."
Edward H.
Member
"I've have been a member for 25 years. They have always been very helpful! I wouldn't dream of leaving Michigan One!"
Joanne B.
Member
Frequently Asked Questions
Get answers to common questions about M1 Auto Loans
What credit score do I need?
We work with a range of credit profiles. Contact us or apply online to find out what you qualify for.
Do I need to be a member?
Yes—but you’ll automatically become a member when your loan is approved if you qualify.
What can I finance?
Cars, RVs, boats, and motorcycles—new or used.
Do you offer GAP Insurance?
Yes. GAP Plus may help cover the difference if your vehicle is totaled or stolen.
Bank where you're known with M1
We're here for every Michigander with friendly, local service, financial expertise, and resources that make a real difference in your daily life.
? Better rates – We're not-for-profit, meaning more of your money stays right in your pocket.
? Better service – Unlike big banks, we're all local and ready to help.
? Better community – Your finances are a big part of daily life. Keep it local with M1!