The Meritus Credit Union is a auto loan from Meritus Credit Union. The ongoing APR is New vehicles: as low as 4.99% APR (up to 60 months), 5.24% (72 months), 6.74% (84 months); used vehicles: as low as 5.99% (up to 60 months), 6.49% (72 months), 7.74% (84 months); rates effective as of 05/01/2026. Loan terms: New and Used Auto Loans: up to 60 months; 72 months (min. $15,000); 84 months (min. $25,000).