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 96 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 the market for a new or used car? We know finding your next ride can be challenging, but getting the financing you need doesn’t have to be. Use our payment calculator to find the auto loan that fits your budget. Then, apply online to receive a loan decision quickly, often within minutes.
How much do you need to borrow?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.
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.
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**.
Current Rates
Valid as of XX/XX/XXXX
| Term | Rates As Low As* | Monthly Payment | Vehicle Value (Minimum) | Loan Amount (Minimum) | |
|---|---|---|---|---|---|
| 1 - 63 Months | 6.34% | $18.71 / per $1,000.00 |
$3,000.00 | $1,000.00 | |
| 64 - 75 Months | 6.49% | $16.26 / per $1,000.00 |
$12,000.00 | $4,000.00 | |
| 76 - 84 Months | 6.99% | $15.09 / per $1,000.00 |
$20,000.00 | $6,000.00 | |
| 85 - 96 Months | 8.99% | $14.65 / per $1,000.00 |
$40,000.00 | $12,000.00 |
| Term | Rates As Low As* | Monthly Payment | Vehicle Value (Minimum) | Loan Amount (Minimum) | |
|---|---|---|---|---|---|
| 1 - 63 Months | 6.59% | $18.82 / per $1,000.00 |
$3,000.00 | $1,000.00 | |
| 64 - 75 Months | 6.74% | $16.38 / per $1,000.00 |
$12,000.00 | $4,000.00 | |
| 76 - 84 Months | 7.24% | $15.21 / per $1,000.00 |
$20,000.00 | $6,000.00 | |
| 85 - 96 Months | 9.24% | $14.78 / per $1,000.00 |
$40,000.00 | $12,000.00 |
| Term | Rates As Low As* | Monthly Payment | Vehicle Value (Minimum) | Loan Amount (Minimum) | |
|---|---|---|---|---|---|
| 1 - 63 Months | 7.09% | $19.06 / per $1,000.00 |
$3,000.00 | $1,000.00 | |
| 64 - 75 Months | 7.24% | $16.62 / per $1,000.00 |
$12,000.00 | $4,000.00 | |
| 76 - 84 Months | 7.74% | $15.46 / per $1,000.00 |
$20,000.00 | $6,000.00 | |
| 85 - 96 Months | 9.74% | $15.04 / per $1,000.00 |
$40,000.00 | $12,000.00 |
Not a Member Yet? Join Today
In order to lock in this bonus offer, you must first join PSECU! Become a member today and cash in on everything membership has to offer.
*$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 9/1/2024 and 12/31/2024 through the designated PSECU 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 disbursed 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 8/1/2024 and may change. Withdrawals and fees may reduce earnings on the account.
- 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.
- All decisions of PSECU regarding this offer are final. PSECU may terminate or change the terms and conditions of this offer without notice.
- Offer subject to all applicable federal, state, and local laws and regulations.
**Based on May 2024 Auto Lender Summary from Experian.