Vehicle Loans

Vehicle Loan is rated 4.8 out of 5 by 402.
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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 5/25/2018 12:41 PM

DescriptionTermAPR*
New / Used Auto1-36 MonthsCalculate2.24%
New / Used Auto37-60 MonthsCalculate3.24%
New / Used Auto61-84 MonthsCalculate3.74%
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 Amazing PSECU offers highly competitive rates and very flexible in payment options, including my favorite - Payroll Deduction - so the loan is paid the second my paycheck clears, giving more peace of mind that it'll never be missed or late. Have been a member for 5+ years and recommend to anyone. They also offer other loan services at competitive rates as well as different share options. Customer support is always courteous and very understanding. Website and mobile app are both simple enough to use, albeit more things should be able to be done digitally vs calling.
Date published: 2018-05-16
Rated 5 out of 5 by from great financial institution Have been a member for over 20 years they are always currant and up to date with security online and mobile apps. Very quick service over the phone for mortgages auto loans and checking card services. Great rates on all borrowing needs. Thank You! Gerry
Date published: 2018-05-15
Rated 5 out of 5 by from Love PSEU Car Loans I've been a member of PSECU for a while now but it was't until the last year that we booked our first auto loan through PSECU. The application process was easy but my favorite part is the payment options for the loan. It's so convent transferring and seeing it with my other accounts I would have gladly paid more in interest with my previous car loans just for the convince of paying online the way this account is setup. My last car loan the bank took 2 weeks each month to case the check which is absurd this day in age. Never again. I highly recommend!!
Date published: 2018-05-11
Rated 5 out of 5 by from Great this product is great because it is a very user-friendly app
Date published: 2018-05-04
Rated 5 out of 5 by from Loan experience PSECU was a secondary institution for me. My primary institution for the last 20 years made me jump through hoops for 2 weeks to ultimately deny my loan request. Made a call to PSECU and within 5 minutes I was approved. Thank you PSECU for making this process so easy. You wil now be my primary institution.
Date published: 2018-05-03
Rated 5 out of 5 by from Vehicle loans Auto loans are very convenient from the application and approval processes to the term limits of the loans
Date published: 2018-05-02
Rated 5 out of 5 by from Great Source for Car Loans The rate was very competitive, the terms were easy, and PSECU was quick to send the title once I paid off the balance.
Date published: 2018-04-25
Rated 5 out of 5 by from HELOC Quick and easy Very client friendly I am so pleased with the whole process Thank You
Date published: 2018-04-24
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