Auto Loans For Every Terrain

Auto Loans For Every Terrain + $250 cash bonus* when you meet promo requirements

Payments that Meet You Where You Are

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 (up to 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.

Cruise Through the Auto Buying Process

In addition to our flexible term options, our new, used, and refinanced auto loans from your other lender allow you to be:

  • Cool. Go to the dealership knowing you’ve already locked in a competitive rate.
  • Calm. Our quick lending decisions can quiet your financing concerns, whether you’re buying a new (or new-to-you) car, buying out a lease, or looking for a better loan on your existing one.
  • Confident. Feel good knowing you’re doing business with one of PA’s top auto lenders**.

Don’t Miss This Offer

Not ready to commit, but don't want to miss out on this $250 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.

Please Note: You are only eligible to earn the $250 cash bonus if you finance directly through PSECU. If you finance through the dealership, you are not eligible for this bonus offer. Also, this offer excludes refinancing of a current PSECU auto loan.

Current Rates

Valid as of   EDT

Term Rates As Low As* Monthly Payment Value (Minimum) Loan Amount (Minimum)
1-36 Months 6.64% $30.72 per $1000.00 $3,000.00 $1,000.00
37-48 Months 6.84% $23.87 per $1000.00 $6,000.00 $1,000.00
49-60 Months 6.84% $19.73 per $1000.00 $8,000.00 $1,000.00
61-72 Months 6.84% $16.98 per $1000.00 $12,000.00 $1,000.00
73-84 Months 7.34% $15.26 per $1000.00 $20,000.00 $1,000.00
85-120 Months 9.34% $12.86 per $1000.00 $40,000.00 $40,000.00

* Rates “as low as” 6.64% 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 6.64%. Maximum APR is 13.89%. If you change your payment method to coupon at any time, your interest rate will increase by .25% Annual Percentage Rate (APR). 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 $30.72 per $1,000 borrowed at the 6.64% APR or 72 monthly payments of $16.98 per $1,000 borrowed at the 6.84% 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.

Next Stop: $250 Cash Bonus

To help you get a jump on your payments, for a limited time, you’ll get a $250 cash bonus when you meet promo requirements.


*$250 Auto Loan Cash Bonus Offer: To be eligible for the $250 cash bonus offer, Participants must be a PSECU member, U.S. Resident, and 18 years of age or older at the time of opening a new Qualifying Direct Auto Loan through PSECU between 3/15/2024 and 5/31/2024 through the designated bonus offer page. If you finance through a dealership, you are not eligible for this bonus offer. This bonus offer is limited to a one-time (1) cash bonus paid per PSECU member account. If Participant is not a PSECU member, Participant must join PSECU and comply with all cash bonus offer requirements to be eligible. Qualifying Direct Auto Loan is defined as an approved and funded AutoDraft, AutoCheck, or auto rollover loan of at least $7,500 and excludes refinancing of a current PSECU auto loan. PSECU will deposit the $250 cash bonus into the Regular share within 45 days after the requirements are satisfied. Participants who open accounts and/or loans by fraudulent, suspicious, or illegal means, including but not limited to providing PSECU with fraudulent or fabricated information, are not eligible to participate in this bonus offer. PSECU may adjust the deposited bonus or remove the deposited bonus at any time if PSECU suspects accounts and/or loans were opened by fraudulent, suspicious, or illegal means, including but not limited to providing PSECU with fraudulent or fabricated information. $5 is required to open and maintain a Regular share account. This $5 share deposit is also required to be eligible to receive the $250 cash bonus, and the Participant must be a member in good standing as defined by PSECU's Bylaws Article II, Section 1. A $5 minimum share purchase will be made by PSECU on behalf of Participants joining PSECU. If the member account is closed within the first year of membership, the initial $5 share will be retained by PSECU. The Annual Percentage Yield on PSECU's Regular share account is 0.50%. This variable rate is current as of 2/1/2024 and may change. Withdrawals and fees may reduce earnings on the account.

  1. The recipient of the $250 cash bonus is solely responsible for payment of applicable taxes on that amount. If you have any questions, please seek the advice of a qualified tax professional.
  2. All decisions of PSECU regarding this offer are final. PSECU may terminate or change the terms and conditions of this offer without notice.
  3. Offer subject to all applicable federal, state, and local laws and regulations.

**Based on December 2023 Auto Lender Summary from Experian.