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Competitive rates, quick loan decisions, and flexible terms let you drive away in a new (or new-to-you) car that fits into your budget and lifestyle.
Auto loan financing made easy - here is what you can expect:
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?Valid as of 08/15/2026 12:00 AM EDT
| Term | APR* As Low As | Monthly Payment | Vehicle Value (Minimum) | Loan Amount (Minimum) | |
|---|---|---|---|---|---|
| 1 - 63 Months | 5.19% | $18.17 / per $1,000.00 |
$3,000.00 | $1,000.00 | |
| 64 - 75 Months | 5.64% | $15.86 / 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 | APR* As Low As | Monthly Payment | Vehicle Value (Minimum) | Loan Amount (Minimum) | |
|---|---|---|---|---|---|
| 1 - 63 Months | 5.44% | $18.29 / 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 | 6.54% | $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 | APR* 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 | 6.39% | $16.21 / 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 |
Buying a car doesn’t have to be stressful - it’s as easy as cruising through the four simple steps.
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!
Fuel Your Car Search.
Browse local dealerships through PSECU AutoSMART.
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.
Your first payment will be due within 30 days from the date of your vehicle purchase.
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.
More gimmes + less gotchas = modern digital banking. Become a member today, and let your money live in the 21st century.
1 Based on December 2025 Auto Lender Summary from Experian
2Not 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.
3Products 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.