Vehicle Loans

Vehicle Loan is rated 4.8 out of 5 by 391.
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When it comes to financing a new or used vehicle, there is no shortage of options available. While this is great news for consumers, it does require you to do your research beforehand to ensure you are getting a good deal. After all, the terms of a vehicle loan will affect your finances for years to come.

Let PSECU help you find a vehicle loan that works for you. We offer flexible financing solutions for new or used cars, trucks, RVs and motorcycles.

Financing Terms and Details

Current auto loan rates can be found at the bottom of this page. PSECU will finance up to 100% of the Manufacturer's Suggested Retail Price of any untitled, current model year vehicle that doesn't have excessive mileage. For used vehicles, financing is available for the Kelley Blue Book® or other authorized guides, retail value of any car or truck worth at least $3,000. A used vehicle must have a title or be a previous year model purchased after March 31.

We can also provide financing for more than the retail price, or Kelley Blue Book or other authorized guides vehicle value, of a new or used vehicle, though a higher interest rate applies. For loans financing a vehicle for more than 100% and up to 120% of the vehicle's retail value, an additional 2% is added on to the APR. For loans financing a vehicle for more than 120% and up to 130% of the vehicle's retail value, an additional 3% is applied.

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.

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.

Check out our current rates below, or get in touch with a PSECU representative from our Harrisburg, Pennsylvania headquarters for more information.

Rates valid as of 1/19/2018 10:19 PM

DescriptionTermAPR*
New / Used Auto1-36 MonthsCalculate1.99%
New / Used Auto37-60 MonthsCalculate2.99%
New / Used Auto61-84 MonthsCalculate3.49%
New / Used Auto85-120 MonthsCalculate8.49%
*APR denotes Annual Percentage Rate

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 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 Very good service I got my most recent car loan through them. I was right on time for the first 4 years of the loan. They were the only ones willing to give me a chance with my first auto loan i was applying for without a co-signer. My score was a 720 when i applied at the age of 20. Then i suddenly lost my job and fell behind. Customer service at PSECU helped me get back on track with little effect to my credit. I would finance another car through them any time!
Date published: 2017-09-25
Rated 4 out of 5 by from Excellent Service I have been banking with PSECU for 28 years. I have a checking, savings, money market, IRA and vehicle loan. I always recommend PSECU to anyone looking for a new bank. Never any issues and very professional and able to easily help with any concerns or questions.
Date published: 2017-09-12
Rated 5 out of 5 by from They are the Mercedes Benz of Banks Low rates, excellent service. Not greedy which is unheard of for a US Bank
Date published: 2017-08-02
Rated 1 out of 5 by from Very shocked and dissappointed I have borrowed from this institution for 30 years and have a fico score greater than 800 but because I trade vehicles frequently they now want copies of my tax returns and pay stubs. I was never late on an auto payment with them for over 30 years.
Date published: 2017-07-10
Rated 5 out of 5 by from Happy Customer! Easy Auto loan process with low interest rate. I am happy I got my loan with PSCEU!
Date published: 2017-06-07
Rated 5 out of 5 by from The Best! We have been banking (checking, savings, debit/credit cards, auto loans) with PSECU for nearly 30 years. Everything they do is first class. They are the best!
Date published: 2017-06-03
Rated 5 out of 5 by from Extremely well run Bank! Have a HELOC and savings account with PSECU. I've banked with many other banks over the years for both personal and business. PSECU is the best, bar none!
Date published: 2017-05-11
Rated 5 out of 5 by from The Best Bank out there!!! we have never had a problem with PSECU and we have multiple services one including out Vehicle Loan! High recommend to anyone
Date published: 2017-05-04
Rated 5 out of 5 by from Need ahouse know I have been a member with psecu for about 12years they're great never was late on my payment have my daughter with them now she's 23 she's been a. Member five years we would like to purchase a home now
Date published: 2017-04-28
Rated 5 out of 5 by from Excellent experience Our auto loan went through within minutes of applying on line. We received our check promptly. Rates were excellent!
Date published: 2017-03-16
Rated 5 out of 5 by from Doing business electronically, not so scary Even though transaction was via phone, all went smoothly and quickly. I am a senior citizen and generally prefer looking at people that I do business with. But, this went well. I would tell other seniors not to shy away from transacting business over the phone- just not with strangers.
Date published: 2017-03-13
Rated 5 out of 5 by from Got my dream car Thanks to PSeCU I got to purchase my dream car. The process was quick, painless and affordable interest rates! Next...time for the bike of my dreams courtesy of PSECU!
Date published: 2017-03-07
Rated 5 out of 5 by from Very fast and courteous I got accepted as a new member within the 24 hr period and had my used truck loan approval within 1/2. Had a great experience so far.
Date published: 2017-02-24
Rated 5 out of 5 by from Great Company Ease of use!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Date published: 2017-02-14
Rated 5 out of 5 by from Car loans I have used different loans from PSECU and always had great service, I like the way I was able to take the check to the dealer and saved about $4500.00 off of selling price of a used 2011 Chevy LTZ pickup. I walked out the door with all of the dealer and state fees paid all because I had the check in my hand.
Date published: 2017-02-04
Rated 5 out of 5 by from Excellent car loans! I think two of the best financial decisions I have made has been becoming a member of PSECU and getting a car loan. Their car loan approval was extremely fast. Excellen customer service. I closed my account with a local bank and I do most of my banking at PSECU.
Date published: 2017-01-09
Rated 5 out of 5 by from Excellent interest rate If you are looking for a car loan definitely give PSECU a try. Whether it's a used car loan or brand new car loan their interest rates are the best around. This is my second car loan with PSECU.
Date published: 2017-01-05
Rated 5 out of 5 by from Couldn't be better! I am very difficult to work with and the service has been wonderful.
Date published: 2016-12-31
Rated 1 out of 5 by from Horrible Customer Service The initial loan application was easy and the process itself. However; as soon as an issue arose the whole experience changed. I was told one thing and then the next day the answer was different. I was told someone would be in contact with me and no one was. I was transferred over and over and each time the representative was ruder and ruder. I have had the same vehicle for 10 years and was excited to finally upgrade and this whole experience with PSECU was a nightmare. I'm an easy going person and have never had problems like I have had. Truly an awful stressful situation. Please be cautious.
Date published: 2016-12-06
Rated 5 out of 5 by from "It couldn't have been easier" Received approval within minutes. It couldn't have been easier! Thanks, PSECU!!! :-)
Date published: 2016-11-21
Rated 5 out of 5 by from easy to use great for older( not so computer literate) people to apply
Date published: 2016-10-13
Rated 5 out of 5 by from Motorcycle Loan The loan application process was completed within hours. And I had the check in 3 days.
Date published: 2016-10-13
Rated 5 out of 5 by from Auto Loan PSECU had exceptional rates on used autos. The application process was easy and representatives kept me abreast of what needed to be done to complete the process at all times.
Date published: 2016-10-13
Rated 5 out of 5 by from Auto loan department so easy to work with! I found a reasonable newer truck to travel with my RV which is much safer than driving my Durango. It was within my budget thanks to PSECU!!
Date published: 2016-10-12
Rated 5 out of 5 by from Customer service I have nothing but good things to say about PSECU!
Date published: 2016-10-08
Rated 5 out of 5 by from Fantastic service Very helpful and fantastic service from everyone. Would recommend to others.
Date published: 2016-10-06
Rated 5 out of 5 by from Could not be more smooth As a member, applying for an auto-draft automotive loan was extremely simple. It took about 10 minutes for approval, and the check was in my hand a few days later.
Date published: 2016-10-06
Rated 5 out of 5 by from Handy and Happy with car loan You always know quickly if your loan is going to be approved without any pressure. Your treated as a person, not as a number.
Date published: 2016-10-05
Rated 3 out of 5 by from Infiniti This is a good product due to the low interest rate.
Date published: 2016-09-29
Rated 4 out of 5 by from Easy Process Easy application process, quick approval, made the vehicle purchase seamless.
Date published: 2016-09-29
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