Auto Loans

Woman with keys to new car.

Summer auto promotion now at Meritrust

An auto loan from Meritrust now comes with a unique opportunity. For a limited time, your new auto loan will enter you for a chance to have your new loan paid off, up to $20,000.* That's right! Ten lucky winners will drive away in a new or new-to-you car that could be paid off by summer's end.

Here's how it works

  • Secure an auto loan from Meritrust.
  • Purchase your new or used vehicle by September 14, 2021.
  • You're now entered into our limited-time summer auto loan promotion.
  • Ten winners will be chosen to receive a loan payoff up to $20,000 between May 11 and September 14, 2021. See all contest details below.

Will you drive away with $20K?

  • Choose a payment schedule that works for you: monthly, semi-monthly, biweekly
  • Competitive rates
  • Payment protection and GAP insurance available
  • Fast application available online, in branch or over the phone
  • Fast, local decisions and loan servicing

Drive into summer with our low rates

For a limited time, we're offing auto loan rates as low as 2.50% APR. Hit the road this summer in a new car. Take advantage of our Drive Away with $20K and low rate promotion today.

Apply Now


Dealer Partners

Did your weekend errands bring you to a dealership for your auto loan needs? Once you've found your dream car at the dealership, just let the financing representative know you want to finance with Meritrust Credit Union when you sit down to write up your sales contract.
Check out the dealers we're proud to partner with.

How to Apply for a Meritrust Auto Loan


At a branch

You can get preapproved with Meritrust prior to shopping for your perfect vehicle. Apply with confidence. Shop with confidence.



You can start a fast, convenient online application for an auto loan that fits your needs. Preapproval has never been simpler.


By phone

Want to get started or just need to ask a couple questions? Give us a call at 316.651.5177. We’re here to give you peace of mind and find the loan right for you.


At the dealership

You can apply for your Meritrust vehicle loan at any of our dealer partner locations when you make your purchase. Just let them know you’d like to finance with Meritrust when completing your contract.


Auto loans are subject to approval. Final APR is based on final terms of the loan. Terms may vary.

* Meritrust Summer Auto Sweepstakes Official Rules:

Sweepstakes is limited to Meritrust Credit Union members. Only individuals 18 years of age or older at the time of entry may participate. Corporate entities and any other institutions are ineligible. Entries must be received during the Contest Period, 12:00 AM, April 27, 2021 until 11:59:59 PM September 13, 2021. Odds of winning depend upon the number of eligible entries received.

The prize is forgiveness of the winner's Eligible Loan principal balance up to the unpaid principal balance or $20,000, whichever is less. The prize for a winner with no Eligible Loan is $2,000 cash. An Eligible Loan is a loan made by Meritrust to a Meritrust member: (a) for which the winner is the primary obligor, (b) which is closed during the Contest Period, and (c) which is secured by a motor vehicle as defined by KSA 8-126(v). For Eligible Loans with multiple obligors, the Primary Obligor is the first obligor listed on the promise to pay. A refinance of an existing obligation to Meritrust is not an Eligible Loan.

How to participate: The Primary Obligor of an Eligible Loan closed during the Contest Period is automatically granted five entries to win. Alternate Method of Entry: Hand-print “Meritrust Summer Auto Sweepstakes,” your name, address, city, state, ZIP code, and daytime and evening telephone numbers (including area code) on a 3" x 5" card, and mail, in an A1 sized envelope with sufficient postage affixed, to: Meritrust PO BOX 2926, Wichita, KS 67201. Alternate Method of Entry must be postmarked by September 13, 2021 and received by September 13, 2021 in order to be eligible. Alternate Method of Entry is limited to one (1) entry per person during the Contest Period. Entries that are mechanically produced, copied, illegible, incomplete, or inaccurate and entries by any means which subvert the entry process are void. Entries become the property of Meritrust and will not be acknowledged or returned. Incomplete entries or entries not complying with these Official Rules are subject to disqualification at the Meritrust's sole discretion. Proof of mailing does not constitute proof of delivery.

Any attempt by any member to obtain more than the entries permitted by these rules shall void all of that member's entries, and that member shall be disqualified. Entries which are incomplete, late, lost, mutilated, illegible or contain irregular or invalid information, or are corrupted in any way are void and will not be eligible. Employees of Meritrust Credit Union and members of the immediate family of a Meritrust employee, including persons who reside within the same residence as a Meritrust employee, are not eligible to participate or win.

Meritrust will randomly select one potential winner from all eligible entries received during the Contest Period, excluding entries of previous winners, on May 11, May 25, June 8, June 22, July 6, July 20, August 3, August 17, August 31, and September 14, 2021. Meritrust will notify the potential winner by telephone and/or email. The potential winner's name will be available by written request 5 days after drawn. Unless such personal appearance is waived, at the sole discretion of Meritrust, the potential winner must appear in person at Meritrust headquarters, 151 N Main St, Wichita, KS 67202, during regular business hours, with valid identification within 13 days after notice to claim the prize, and must complete all required waivers and releases before the prize will be awarded. Any objection to or failure to sign the required waivers and releases shall result in forfeiture of the prize. Failure of the potential winner to respond within 13 days shall result in disqualification, and a new potential winner will be randomly selected.

This Sweepstakes is subject to all federal, state and local regulations and laws and is void where restricted or otherwise prohibited. By entering, members agree to abide by these Official Rules, and any changes thereto, and the decisions of Meritrust, which will be final and not subject to appeal. By entering, members agree to the use of their personal information as detailed in the Meritrust privacy policy available at, and as described below.

The winner is solely responsible for the payment of all taxes resulting from acceptance of the prize and will receive an Internal Revenue Service form 1099 or equivalent from Meritrust. All expenses relating to the prize are the sole responsibility of the winner. The prize amount shall be determined as soon as practical after the drawing and after the potential winner has provided all necessary information and become the official winner. Meritrust reserves the right to take a reasonable amount of time to determine the amount applied to any loan.

The winner may not assign or transfer the prize to any other party. Failure to comply with these Official Rules shall result in the member's disqualification. Meritrust reserves the right to discontinue the participation privileges of any member and void any entry of a member who engages in or is suspected to have engaged in any fraudulent activity; or who uses this Sweepstakes in a manner inconsistent with these Official Rules or in violation of any federal, state, local laws, statutes or ordinances or with the intent to annoy, harm or abuse Meritrust, their representatives or any other party. Meritrust reserves the right to take appropriate administrative and/or legal action, including referral for criminal prosecution, as it deems necessary in its sole discretion.

All decisions of Meritrust in any matter relating to this Sweepstakes shall be binding and final.

Meritrust is not responsible for technical or computer failures, errors or data loss of any kind, lost or unavailable internet or SMS connections, failed, incomplete, garbled or deleted computer or network transmissions, inability to access any website, cellular or online service, any disconnection or loss of call, any other error or malfunction, late, lost, illegible or misdirected entries, or for printing errors in any advertisement, entry form or these Official Rules. Should any portion of this Sweepstakes be, in Meritrust's sole opinion, compromised by non-authorized human intervention or other causes which, in the sole opinion of Meritrust, corrupt or impair the administration, security or fairness, of this Sweepstakes, Meritrust reserves the right at its sole discretion to suspend, modify or terminate this Sweepstakes and, if terminated select the potential winner for this Sweepstakes from all eligible, non-suspect entries received for this Sweepstakes prior to such action, using a random selection procedure thereafter established.

The potential winner (i) must agree in writing that Meritrust and its designees may use his/her name, entry material, voice and/or likeness and prize information for advertising, trade and promotional purposes without further compensation, in perpetuity, in all media now known or hereafter discovered worldwide and on the Internet and/or World Wide Web without notice or review or approval; (ii) must execute and return a release and waiver of liability; and (iii) must provide his or her Social Security Number and current government-issued photo identification. If the potential winner refuses or does not complete and fully-execute the release, or if a potential winner is found to be ineligible or not in compliance with these Official Rules, or if prize notification or prize is returned as undelivered, the prize will be forfeited and a new potential winner will be selected.

Meritrust disclaims all warranties and liabilities to members, potential winners, and the winner. Members agree that Meritrust and its affiliated companies, and advertising and promotion agencies, and each of their respective officers, directors, employees, representatives, licensees, assignees and agents (collectively, the “Released Parties”) will have no liability whatsoever for, and are released and shall be forever held harmless by members from and against any liability, for any injuries, losses or damages of any kind, to persons, including death, or property resulting in whole or in part, directly or indirectly, from acceptance, possession, misuse or use of any prize or from participation in this Sweepstakes or in any sweepstakes-related activity. Released Parties are not responsible for typographical, printing or other errors or problems relating to or in connection with this Sweepstakes, including, without limitation, errors or problems which may occur in connection with the administration of the sweepstakes, the processing of entries, the selection or announcement of the winner, legality, or in any sweepstakes-related materials. Meritrust reserves the right to change these Official Rules at any time without prior notice.