Vehicle Loans

Vehicle Loan is rated 4.862068965517241 out of 5 by 319.
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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 9/25/2016 1:06 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 Easy to use Product design is simple, easy and effective. Made purchasing very easy
Date published: 2016-09-23
Rated 5 out of 5 by from Car Loan Excellent! I was able to get the car loan amount that I was comfortable with in making the payments.
Date published: 2016-09-22
Rated 5 out of 5 by from Car Loan Quick turn around time for paying off a non-PSECU auto loan and creating a new auto loan with PSECU.
Date published: 2016-09-22
Rated 5 out of 5 by from Loan servicing personnel make it even better The customer service was incredible. As a resident of a state many miles away the staff made sure that the voucher arrived in time and that all details were accounted for. Excellent product and excellent support.
Date published: 2016-09-22
Rated 5 out of 5 by from Vehicle Purchase This is the third time I have used PSECU for a vehicle purchase and can not say enough about the customer service and ease of use!!!! A++++++ in my book
Date published: 2016-09-21
Rated 5 out of 5 by from "Above and beyond" customer service Every thing about my motorcycle loan was handled in an outstanding manner. PSECU customer support staff worked with my dealer to solve several issues quickly. Customer service even faxed a document needed by my state's motor vehicle agency in a couple of minutes after my request. I love PSECU!
Date published: 2016-09-21
Rated 5 out of 5 by from Extremely convenient! The auto draft process is very fast in getting approval and painless in getting your new vehicle!
Date published: 2016-09-15
Rated 5 out of 5 by from Auto Loan Fast service always a pleasure to deal with, thank you!
Date published: 2016-09-15
  • 2016-09-25T11:15CST
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  • cp_1, bvpage1
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  • loc_en_US, sid_vehicle-loan, PRD, sort_mostRecent
  • clientName_psecu
  • bvseo_sdk, net_sdk, 3.2.0.0
  • CLOUD, getReviews, 3ms
  • REVIEWS, PRODUCT