Buy a New or Used Vehicle

Your next adventure starts with the car you’ve been waiting for.

Apply now Not a member yet? Join Mirastar.

We can help you find and finance the vehicle you want.

If you’re shopping for a new or used vehicle and looking for a loan to get you on the road soon, we’ll work with you to find one that fits your budget.

Competitive rates

Our lower interest rates help you keep more of your hard-earned money, making your dream car more affordable.

Flexible terms

We work with you to create a payment plan that fits your budget and lifestyle, whether you’re buying new or used.

Personalized service

With our member-first approach, you’ll get guidance from real people who are dedicated to helping you drive off in the right vehicle.

Today’s rates

We offer affordable loan rates for your next new or used vehicle, motorcycle, RV or boat.

Vehicle Loan Rates
Loan Type	APR²	Terms
¹Risk Based: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness and the term of your loan. All loan policies, rates and terms are subject to change without notice and all loan requests are subject to credit approval. You will be notified of the base rate for which you qualify when your loan request is approved. Payment example: Payment example: Pay $30.64 per month per $1,000 borrowed at 6.485% APR for 36 months. For more payment samples, use our payment calculator or call 408-282-0700 to speak with a Loan Advisor. ²APR = Annual Percentage Rate. All loan policies, rates and terms are subject to change without notice and all loan requests are subject to credit approval. 0.485% APR is valid for terms up to 60 months. Quoted loan rate is the lowest rate offered based on individual credit worthiness. Payment amount per every $1,000 borrowed at 10.485% for 60 months equals $21.49 per month. Borrower must be over 18 years old; employed at least part-time; a student at an accredited college, university, or trade school, or a recent graduate (less than one-year post graduation). Must have no FICO score, or limited credit history. Down payment required.
Loan Type New, Used & Refi¹	APR² 6.485% – 17.990%	Terms up to 36 months
Loan Type New, Used & Refi¹	APR² 6.735% – 17.990%	Terms up to 60 months
Loan Type New, Used & Refi¹	APR² 6.985% – 14.735%	Terms up to 72 months
Loan Type New, Used & Refi¹	APR² 7.235% – 10.985%	Terms up to 84 months
Loan Type New, Used First Time Buyer Program¹	APR² 10.235% – 11.985%	Terms up to 60 months
Loan Type College Auto Loan Program²	APR² 10.485%	Terms up to 60 months

Motorcycle Loan Rates
Loan Type	APR	Terms
¹Risk Based: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness and the term of your loan. All loan policies, rates and terms are subject to change without notice and all loan requests are subject to credit approval. You will be notified of the base rate for which you qualify when your loan request is approved. Payment example: Pay $30.64 per month per $1,000 borrowed at 6.485% APR for 36 months. For more payment samples, use our payment calculator or call 408-282-0700 to speak with a Loan Advisor.
Loan Type New, Used & Refi¹	APR 7.960% – 14.210%	Terms up to 36 months
Loan Type New, Used & Refi¹	APR 8.460% – 14.710%	Terms up to 60 months

FAQs

Mirastar offers great rates and flexible terms on our auto loans.

We make it easy and fast to apply with all our loan programs. And we can set up your financing in advance, so you can shop for your car with confidence. We can even help you shop! Check out our Car Buying Service options available for your convenience.

Apply now or give one of our Loan Advisors a call today at 408.282.0700 and select option 3! You can even visit us in person at one of our convenient branch locations.

Make the most of your money.

Mirastar has a variety of insurance options to protect your valuables, as well as digital calculators to determine which auto payment works best for you and your budget.

Protect My Vehicle

Life can be unpredictable. This is why we offer debt protection, GAP protection, depreciation protection, and mechanical breakdown insurance for your vehicle – so you’re covered when life throws you a curveball.

Learn more

Calculators

Whether you’re planning a mortgage or calculating loan payments, these tools help you make informed decisions so you can plan for your future in real time.

Learn more

Apply for an Auto Loan.

Apply online

Start your application

Email or call us

Apply in person

Find a branch nearby

Knowledge is powerful.

Get the facts you need—expert tips, advice, and insights on everything vehicle-related to help you make informed decisions.

Visit our blog

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Disclosures

*Eligibility requirements and additional terms apply. Existing Mirastar loans are excluded from this offer. This offer is subject to all Mirastar loan policies and is subject to credit approval. Rates and terms of this offer are subject to change or cancelation without notice prior to acceptance. $100 cash back award is only available for loan amounts of $10,000 or greater. Limit one cash back award per loan closed. $100 cash back award will be deposited directly into your share savings account 90 days after loan funding. Loans that are paid off within 90 days of opening will not qualify.

¹Risk Based: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness and the term of your loan. All loan policies, rates and terms are subject to change without notice and all loan requests are subject to credit approval. You will be notified of the base rate for which you qualify when your loan request is approved. Payment example: Pay $30.62 per month per $1,000 borrowed at 6.435% APR for 36 months. For more payment samples, use our payment calculator or call 408-282-0700 or 800-282-6212 to speak with a Loan Advisor.