Buy A New Or Used Vehicle
No matter what type of vehicle - new or used - you're looking to buy, we make it easy to get the financing you need. With a PSECU pre-approval, you can shop for the car, truck, motorcycle or scooter you want.
PSECU's AutoDraft makes auto buying easier because you are prequalified for your auto loan prior to making a purchase. The AutoDraft looks and works like a blank check and can be used at any authorized car dealer.
Once you know how much you need to borrow, apply for your loan with PSECU. If approved, you will receive your AutoDraft by mail.
Be sure to fill out all the information on the draft - including the term of payment (number of months) and method of payment (direct deposit, automatic transfer, etc.). The dealer will take care of the rest!
Learn more about our vehicle financing terms.
Refinance Your Vehicle
Why pay more when you don't have to? Move your vehicle loan to us and lower your monthly payment. You'll have more cash on hand to do the stuff you really want to.
You purchased a great vehicle or bought out a lease. But did you get the best financing terms? Roll over your loan to PSECU. It's easy and could save you a lot of money.
The rate at the time was great, but now we've got even better rates. Keep in mind you will need to add $1,000 to the amount you want to borrow.
With our vehicle loans, we also finance up to 90% of the retail value of recreational vehicles (RV) including motor homes, travel and camping trailers, and camper vans. The retail value of the RV must be at least $3,333.
Need a loan for a boat/boat trailer, jet ski, ATV, snowmobile or a non-street legal vehicle? Request a Personal Loan or Personal Line of Credit.
Rates valid as of 7/7/2015 5:51 PM
|New / Used Auto||1-36 Months||1.49%
|New / Used Auto||37-60 Months||2.49%
|New / Used Auto||61-84 Months||2.99%
|New / Used Auto||85-120 Months||7.99%
|Used/New Recreation||1-84 Months||9.90%
*APR denotes Annual Percentage Rate
Rates reflect a .25% APR reduction for Automatic Payment Service and loan amounts up to 100% of the retail value of the vehicle. Your rate will increase if you discontinue Automatic Payment Service. PSECU will charge an additional 2% to the current interest rate when financing a vehicle for more than 100% and up to 120% of the retail value, and an additional 3% to the current interest rate when financing a vehicle for more than 120% and up to 130% of the retail value. PSECU will only finance up to 100% of the vehicle value for Refinance purchase types. 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 and proper rate. Loan rates are effective as of 4/29/14 and subject to change. See the LOANLINER® Credit & Security Agreement and LOANLINER Addendum at psecu.com/disclosures or call 800.237.7328. Kelley Blue Book® is a registered trademark of the Kelley Blue Book Co., Inc.