Maybe you’ve got your eyes on a new car and have the funds ready for a down payment. Or maybe you were just barely coasting along and adding a car payment to your budget is a major bump in the road. Even still, you may have a car you love, but a loan you hate.
Whatever your situation, we’ve got loan options to help. Our term options (from 1-120 months) meet you where you are and give you the power to choose a monthly payment that’s best for you on a new, used, or refinanced car.
To find the payment that works for you, click here.
In addition to our flexible term options, our auto loans allow you to be:
Not ready to commit, but don't want to miss out on this $200 cash bonus*? Share your email with us and we'll send you information on our loan process and your next steps to apply for an auto loan.
Valid as of EDT
|Term||Rates As Low As*||Monthly Payment||Value (Minimum)||Loan Amount (Minimum)|
|1 - 36 Months||6.24%||$30.54 per $1,000.00||$3,000.00||$1,000.00|
|37 - 48 Months||6.74%||$23.83 per $1,000.00||$6,000.00||$1,000.00|
|49 - 60 Months||6.74%||$19.69 per $1,000.00||$8,000.00||$1,000.00|
|61 - 72 Months||6.74%||$16.93 per $1,000.00||$12,000.00||$1,000.00|
|73 - 84 Months||7.24%||$15.22 per $1,000.00||$20,000.00||$1,000.00|
|85 - 120 Months||9.49%||$12.94 per $1,000.00||$40,000.00||$40,000.00|
*Rates “as low as” 6.24% APR assumes excellent creditworthiness; your rate may differ from the rate(s) shown here. Rate and loan amount subject to credit approval. Minimum APR is 6.24%. Maximum APR is 14.99%. Rates reflect a .25% Annual Percentage Rate (APR) reduction for Automatic Payment Service. Your rate will increase if you discontinue Automatic Payment Service. PSECU will finance up to 130% of the retail value of the vehicle for excellent creditworthiness. PSECU will finance up to 100% of the retail value of the vehicle for refinance of an existing PSECU vehicle loan. Value of the vehicle to be determined prior to final loan amount. The Manufacturer's Suggested Retail Price determines new vehicle values; Kelley Blue Book® or other authorized guides determine used vehicle values. Minimum value is $3,000. PSECU makes all final decisions regarding vehicle value. Monthly payment example: 36 monthly payments of $30.54 per $1,000 borrowed at the 6.24% APR or 72 monthly payments of $16.93 per $1,000 borrowed at the 6.74% APR. Monthly payment examples are representative of the maximum term for the corresponding rate per $1,000 borrowed. Your payment may be different from the examples shown. Rates, terms, and information are subject to change at any time. Kelley Blue Book® is a registered trademark of the Kelley Blue Book Co., Inc.
To help you get a jump on your payments, for a limited time, you’ll get a $200 cash bonus when you meet promo requirements.