Auto Loans
When you’ve found your perfect ride, come to us for the perfect loan. Flexible terms, competitive rates and personalized service all add up to monthly payments that work with your budget.
Auto Loans for Every Budget
Everyone's financial situation is different, meaning everyone needs an auto loan that works for them. Our wide range of flexible terms and competitive rates means you are in the driver’s seat.
Finance a New or Used Car
Refinance Your Existing Auto Loan
Buy Out a Lease
Our flexible auto loans keep you in the driver's seat with term and monthly payment options designed to fit your budget. Plus, for a limited time, you'll get a $250 cash bonus when you meet promo requirements!
New & Used Auto Loans
Valid as of XX/XX/XXXX
- 2022 Model Year and Newer
- 2021 - 2019 Model Year
- 2018 Model Year and Older
| Term | Rates As Low As* | Monthly Payment | Vehicle Value (Minimum) | Loan Amount (Minimum) | |
|---|---|---|---|---|---|
| 1 - 63 Months | 5.69% | $18.40 / per $1,000.00 |
$3,000.00 | $1,000.00 | |
| 64 - 75 Months | 5.89% | $15.97 / per $1,000.00 |
$12,000.00 | $4,000.00 | |
| 76 - 84 Months | 6.29% | $14.75 / per $1,000.00 |
$20,000.00 | $6,000.00 | |
| 85 - 96 Months | 7.29% | $13.78 / 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 | 5.94% | $18.52 / per $1,000.00 |
$3,000.00 | $1,000.00 | |
| 64 - 75 Months | 6.14% | $16.09 / per $1,000.00 |
$12,000.00 | $4,000.00 | |
| 76 - 84 Months | 6.54% | $14.87 / per $1,000.00 |
$20,000.00 | $6,000.00 | |
| 85 - 96 Months | 7.54% | $13.91 / 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 | 6.44% | $18.75 / per $1,000.00 |
$3,000.00 | $1,000.00 | |
| 64 - 75 Months | 6.64% | $16.33 / per $1,000.00 |
$12,000.00 | $4,000.00 | |
| 76 - 84 Months | 7.04% | $15.12 / per $1,000.00 |
$20,000.00 | $6,000.00 | |
| 85 - 96 Months | 8.04% | $14.16 / per $1,000.00 |
$40,000.00 | $12,000.00 |
Fuel Your Car Search.
Browse local dealerships through PSECU AutoSMART.
Make Sure You're Covered
You’ve chosen your new (or new-to-you) ride… now what? Get the coverage you need to drive home happy.
Get the coverage you need and the savings you deserve.
Skip the piecemeal plans and get all the vehicle protection you want in one place.
Learn Why We're a Top Auto Lender***
Browse Common Questions
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Collateral Protection Insurance (CPI) is an insurance coverage program designed to provide insurance to members who do not have, are unable to obtain, or fail to provide proof of auto insurance to PSECU. This program allows the member to file claims for physical damage to or theft of their vehicle. This insurance is provided for an additional premium that will be added to the member’s loan balance. This premium will be refunded if/when adequate insurance proof is provided for the timeframe in question. Note: this insurance does not provide coverage for bodily injury or property damage liability.
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PSECU has partnered with ImCovered/SWBC for this program. Members may receive communication from ImCovered/SWBC’s support center via email from PSECU@imcovered.com or via mail from PO Box 691648, San Antonio, TX 78269-1648 or PO Box 60070, Harrisburg, PA 17106. Members can contact the support center via email (PSECU@imcovered.com) or phone (833.886.6167) and can visit the ImCovered site at psecu.imcovered.com.
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Members will be contacted by ImCovered/SWBC if the member has any of the following:
- No insurance
- Expired or canceled insurance
- Missing or inaccurate lienholder
- Inadequate coverages
- Audit for continuous coverage carriers
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Members will receive communication regarding their auto insurance from ImCovered/SWBC. This is a partner of PSECU, and their communications to members are legitimate.
Members will be contacted either via email (PSECU@imcovered.com) or via mail through a series of letters (PO Box 691648, San Antonio, TX 78269-1648 | PO Box 60070, Harrisburg, PA 17106). These letters and emails will be sent to members who have not provided a satisfactory insurance declaration page as proof of adequate auto insurance coverage.
Members can contact and/or submit their insurance documentation by:
- Emailing PSECU@imcovered.com
- Calling the program’s support center at 833.886.6167
- Mailing documents addressed to PSECU to PO Box 691648, San Antonio, TX 78269-1648 or PO Box 60070, Harrisburg, PA 17106
- Visiting PSECU.imcovered.com
Note: members will need the Unique Identification Number located on the letter that was received. Once proof of insurance has been submitted, it may take up to 5 business days to process and issue any refunds (if applicable). Once processed, a letter confirming status update will be sent to the member.
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If you received an email or letter notice from ImCovered/SWBC, then PSECU does not have a copy of your current insurance declaration page showing adequate proof of insurance coverage. Please submit a copy of your insurance declaration page through one of the approved channels listed above.
Unlock Members-Only PSECU Perks
If you’re not a member already, you’ll become one when you take out an auto loan with us. This will unlock access to excellent member service, security and peace of mind, great rates on other loans and savings options, and a focus on meeting your needs.
* Not all products, coverages and discounts are available in every state. Restrictions, exclusions, limits and conditions apply.
Insurance products are offered by PSECU Protect, LLC an affiliate of Pennsylvania State Employees Credit Union (PSECU). Available insurance products are not deposits of Pennsylvania State Employees Credit Union and are not protected by any type of deposit insurance, are not obligations of or guaranteed by Pennsylvania State Employees Credit Union or its affiliates, and may be subject to risk. Insurance products are not insured or guaranteed by the National Credit Union Administration (NCUA) or any other agency of the United States. Any insurance required as a condition of the extension of credit by Pennsylvania State Employees Credit Union need not be purchased from our Agency, PSECU Protect, LLC, but may, without affecting the approval of the application for an extension of credit, be purchased from an agent or insurance company of the customer's choice.
** Products are offered through SWBC and administered by EFG Companies. SWBC and EFG are separate entities from and not affiliates of PSECU. PSECU has contracted with SWBC and EFG to make these products available to credit union members.
Coverage may vary by state. See contract for complete details. Coverage not available in all states.
*** Based on December 2024 Auto Lender Summary from Experian