Vehicle Loans

Vehicle Loan is rated 4.9 out of 5 by 344.
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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 3/27/2017 12:07 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 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
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