Vehicle Financing Terms

New Vehicles

  • We will finance up to 100% of the Manufacturer's Suggested Retail Price (MSRP) for current calendar year vehicles
  • Vehicle must be untitled current model year
  • The vehicle must not have excessive mileage
  • We 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

Used Vehicles

  • We will finance up to 100% of the retail value for used vehicles with a minimum value of at least $3,000. The Kelley Blue Book® or other authorized guide will be used to determine the retail value. (Kelley Blue Book is a registered trademark of Kelley Blue Book Co., Inc.)
  • The vehicle must be titled OR be a previous-year, untitled vehicle, purchased after March 31 of the current calendar year.
  • We 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
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 valid as of 8/23/2017 11:13 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

*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.

Insurance & Liens - PSECU must be named loss payee under your insurance policy. Your policy must provide fire, theft, collision and comprehensive coverage. PSECU must be listed as the first and only lien holder. The following address should be listed on the title: PSECU, P.O. Box 67017, Harrisburg, PA 17106-7017.