Vehicle Loans

Vehicle Loan is rated 4.8 out of 5 by 392.
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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 2/22/2018 11:36 AM

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 A Powerful Tool for Vehicle Purchases This service is incredible and relieves a tremendous amount of stress when dealing with your dealer of choice. I can say that I enjoyed being able to shut down the high pressure sales manager who insisted on knowing how much I could afford or what I wanted my payment to be sort of questions. It puts the buyer in position of power and .... quite literally the driver's seat.
Date published: 2018-01-30
Rated 5 out of 5 by from Great Product and Process. This is a great product because the loan application can be completed over the phone, The approval is virtually immediate and the money is available the next day.
Date published: 2018-01-04
Rated 5 out of 5 by from Great Rates Smooth and easy process....I love the discount/lower rate with auto-withdrawal.
Date published: 2018-01-04
Rated 5 out of 5 by from PSECU Used Vehicle Loan Fast, convenient, low interest loans. I have been buying my vehicles with PSECU's auto loans for many years. Wouldn't go anywhere else!
Date published: 2018-01-03
Rated 5 out of 5 by from Correction officer Great place for loan and very nice people that work there
Date published: 2018-01-01
Rated 5 out of 5 by from Auto Draft Exceptional friendly & fast service. Knowledgeable & very professional easy process.
Date published: 2017-12-31
Rated 5 out of 5 by from Fantastic service Easy communication and proper service made it a fast loan. Payments are simple and easy to do.
Date published: 2017-12-30
Rated 5 out of 5 by from Getting a loan from PSECU The officers are very helpful and responsive the questions.
Date published: 2017-12-29
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