Vehicle Loans

Vehicle Loan is rated 4.854304635761589 out of 5 by 302.
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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.

Purchasing A New Or Used Vehicle From A Dealer?

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.

Purchasing A Vehicle From A Private Party?

We'll work with you to get the vehicle you want! Private party purchases, antique/classic vehicles and more can be handled with a PSECU AutoCheck.

Learn more about our vehicle financing terms.

Buying Out A Vehicle Lease?

We'll work with you to purchase your currently leased vehicle.

Learn more about our vehicle financing terms.

Are You In Need Of A Member-Owned Vehicle Loan?

If you have the title to your vehicle, you can borrow against it by setting up a PSECU vehicle loan.

Learn more about our vehicle financing terms.

Want To Learn How Buying A Vehicle Could Give You Tax Advantages?

Our Homeowner Courtesy Lien may have some tax advantages. Since we can not give tax advice, please consult your tax advisor.

Learn More

Recreational Vehicles

Looking for a Recreational Vehicle Loan? Learn more

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.

Roll Over Your Loan From Another Financial Institution

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.

Refinance Your Existing PSECU Loan

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.

Rates valid as of 8/25/2016 11:08 PM

DescriptionTermAPR*
New / Used Auto1-36 MonthsCalculate1.49%
New / Used Auto37-60 MonthsCalculate2.49%
New / Used Auto61-84 MonthsCalculate2.99%
New / Used Auto85-120 MonthsCalculate7.99%
*APR denotes Annual Percentage Rate

Recreational Vehicle Loan Terms

Types Value (Minimum) Loan Amount (Minimum) Term (Maximum)
New & Used Vehicles $40,000 $40,000 120 months
$20,000 NA 84 months
$12,000 NA 72 months
$8,000 NA 60 months
$6,000 NA 48 months
$3,000 NA 36 months

*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 Consumer Note, Disclosure and Security Agreement at psecu.com/disclosures or call 800.237.7328. Kelley Blue Book® is a registered trademark of the Kelley Blue Book Co., Inc.

Rated 5 out of 5 by from Always a pleasure working with PSECU!!! Great service. Always a breeze working with PSECU.
Date published: 2016-08-22
Rated 1 out of 5 by from No option to refinance I got my loan 2 yrs ago when my credit wasn't the best so they gave a higher interest rate. My credit has boosted to over 700 and now they refuse to refinance for a better rate. Ridiculous. I'll be closing all my accounts here once my loan is paid off.
Date published: 2016-08-19
Rated 5 out of 5 by from auto loan quick approval and ease of getting draft, and excellent low rate
Date published: 2016-08-18
Rated 5 out of 5 by from Best interest rate! Quick & easy application! Was also pleasantly surprised with the interest rate!
Date published: 2016-08-18
Rated 5 out of 5 by from Auto Loan The customer service was great in going through my loan application quickly and getting the check in the mail. I love my ""new car" and my really cheap car loan!
Date published: 2016-08-14
Rated 5 out of 5 by from Excellent rates for older vehicles. I never liked how most banks and credit unions consider a vehicle only worthy of a lower interest rate if it was still often within warranty range. PSECU is great for this. I financed a 2005 vehicle for 2% interest. If you credit is good, you are in pretty much. Very fair to the public. The services were quick and timely, and made sense. The staff answered my questions over the phone. Excellent credit union to deal with by far.
Date published: 2016-08-11
Rated 5 out of 5 by from Very good service. Made it easy to buy a vehicle Very easy to buy a vehicle. Apply for auto draft and go get the car
Date published: 2016-08-11
Rated 5 out of 5 by from Over 30 years Love the online ability to manage my account and the very quick loan application response. Interest rates are good. Love the year end kickback. Class move. Much appreciated.
Date published: 2016-08-11
  • 2016-08-25T10:10CST
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