New & Used Car Loans
Competitive rates, quick loan decisions, and flexible terms let you drive away your new (or new-to-you) car with confidence.
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!
Current Rates
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.
Cruise Through the Car-Buying Process
Getting an auto loan doesn’t have to be stressful. Financing with us allows you to be:
Drive Off in Your Dream Car in Just 4 Easy Steps
Buying a car doesn’t have to be stressful - it’s as easy as cruising through the four simple steps.
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Our auto loans are a special perk for members. Not a member yet? No worries! Apply for PSECU membership first and get approved before moving forward with your loan application. Once you’re a member, be on the lookout for an email from us to start your loan application.
Already a member? You’re ready to roll! -
Get your ducks in a row. You’ll need to know how much you want to borrow, proof of your gross income, and details for any joint applicants (if applicable).
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Most applicants get a same-day decision. Our application takes about 20 minutes. Once you’re approved, we’ll send you an AutoDraft1 (think of it like a blank check for up to your preapproved amount), that’s good for 60 days at any authorized dealership. If you’re buying from a private seller, secure an AutoCheck for the exact amount to hand directly to the individual seller.
1Not all financing conditions qualify for an AutoDraft disbursement. Contact PSECU for details. -
Take the AutoDraft to your local dealership. When you’re ready to finalize the purchase of your new car, you’ll fill out information on the AutoDraft, including the term of payment. The dealer will take care of the rest. Buying from a private seller? No problem. Use your AutoCheck to finalize the deal directly with the seller.
Looking for a dealership? Use PSECU – AutoSmart to find the perfect match.
Browse Common Questions
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An AutoDraft is a blank check for your preapproved amount, valid at any authorized dealership. An AutoCheck, however, is made out to a specific individual seller for the exact amount of purchase.
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Your first payment will be due within 30 days from the date of your vehicle purchase.
Make Sure You're Covered
Get the coverage you need and the savings you deserve with auto insurance through PSECU Protect.
Skip the piecemeal plans and get all the vehicle protection you want in one place with auto warranty offerings through MPOWER+ Vehicle Protection offered by SWBC and EFG Companies.
Achieve More with PSECU
More gimmes + less gotchas = modern digital banking. Become a member today, and let your money live in the 21st century.
* Based on December 2024 Auto Lender Summary from Experian
**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.