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 11:45 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 4 out of 5 by from Auto loan Quick and professional. Some small fees were not explained
Date published: 2017-12-29
Rated 5 out of 5 by from Great interest rates. PSECU vehicle loans continually have the best rates. I am proud to be a member of an organization that faithfully offers great rates for varying length/term of loans.
Date published: 2017-12-29
Rated 5 out of 5 by from Vechicle Loan So easy to acquire a vehicle loan with easy payment plan and low interest rate. Have financed 5 vehicles through the credit union.
Date published: 2017-12-28
Rated 5 out of 5 by from Could Not Be Easier Literally so easy and when you tell the dealership the rate you received on your loan, they look at you like it's impossible (1.49%). All you have to do is fill out the form online and if your income is good with decent credit, a check shows up in your mailbox in a few days. Then just hand the check to the car salesman. Boom. Done.
Date published: 2017-12-28
Rated 4 out of 5 by from Very good products I’ve been with PSECU for a long time. Always a good experience working with PSECU
Date published: 2017-12-28
Rated 4 out of 5 by from Very happy The entire process was easy. The interest is the lowest. All in all we're happy.
Date published: 2017-12-28
Rated 4 out of 5 by from Always good We’ve had several car loans through the years and have always found the process easy and convenient.
Date published: 2017-12-28
Rated 5 out of 5 by from Best Banking Option Don’t even consider a bank. No comparison. Cost effective.
Date published: 2017-12-28
Rated 5 out of 5 by from Wonderful experience. The process was swift and easy. Great rate. Easy to pay back.
Date published: 2017-12-28
Rated 5 out of 5 by from Truck loan Fast easy and friendly. Was done during break and easy
Date published: 2017-12-28
Rated 5 out of 5 by from Refinanced auto Car loan Refinanced car St a great rate Thank you for all your help
Date published: 2017-12-28
Rated 5 out of 5 by from Excellent Great service. Thank you for excellent service. While searching for the best auto loan rate.
Date published: 2017-12-28
Rated 5 out of 5 by from My Review for Vehicle Loan Quick and easy. Member for 20+ years. Keep up the good work.
Date published: 2017-12-28
Rated 5 out of 5 by from Awesome bank to work with The people are easy to work with and go the extra mile to make sure everything gets done.
Date published: 2017-12-28
Rated 5 out of 5 by from AWESOME!! This was the easiest refinance of a vehicle I have ever experienced. My rate went down after really working on my credit and the people here are great. I will definitely be a member here the rest of my life!!!
Date published: 2017-12-27
Rated 5 out of 5 by from Vehicle Loan I was able to get the financing I needed for the car I wanted!!
Date published: 2017-12-09
Rated 5 out of 5 by from usually has the best 3 year loan rate a very convenient way to finance buying cars. it avoids the dealer finance hustle.
Date published: 2017-11-30
Rated 5 out of 5 by from great service this is a great company because of the people in it. treated everyone well.
Date published: 2017-11-01
Rated 5 out of 5 by from Loan We have never had any problems with our loan. Very friendly support system at PSECU.
Date published: 2017-10-06
Rated 5 out of 5 by from Car loans at their finest Great rates and an easy process. They made it easy for me and my busy schedule. Everyone was friendly and thoroughly answered all questions without judgment.
Date published: 2017-10-06
Rated 5 out of 5 by from great experience I applied over the phone, got my loan approved. Super easy. They wrote a check which I picked up and gave to the dealer. Easy as pie.
Date published: 2017-10-05
Rated 5 out of 5 by from Vehicle Loan I love going into the dealership and my PSECU rate beats theirs.
Date published: 2017-09-30
Rated 5 out of 5 by from Vehicle loan Auto loans are a fast and easy process. I would recommend this product to anyone.
Date published: 2017-09-30
Rated 5 out of 5 by from Cant Be Beat! The Dealer even said so! That was impressive. He knew!
Date published: 2017-09-29
Rated 5 out of 5 by from Car loan It was easy to get approved no hassles people are great with questions and help.
Date published: 2017-09-29
Rated 5 out of 5 by from Best I've ever received Excellent credit union one of the best in our area. Wouldn't go with any other.
Date published: 2017-09-29
Rated 5 out of 5 by from Vehicle Loans made easy! Great rates and very easy to apply! Really didn't take long to get approved.
Date published: 2017-09-29
Rated 5 out of 5 by from Great product and service The loan application process is very easy and the staff are helpful and pleasant.
Date published: 2017-09-28
Rated 5 out of 5 by from Mr Great interest rate. great auto loans. great customer service
Date published: 2017-09-28
Rated 5 out of 5 by from Auto loan The process was easy and simple! The application was quickly approved and the service was efficient and courteous.
Date published: 2017-09-28
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