AUTO LOANS
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Auto Loans Made Easy
PSCU makes getting behind the wheel simple. Enjoy low rates, easy applications, and stress-free payment options, all with no application fees.
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Quick pre-approvals
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Low, competitive interest rates
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Finance new or used cars, trucks, and vans
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Terms up to 84 months
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Up to 100% Financing
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Fast, hassle-free application process
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No application fees
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Convenient payment options: online, by phone, or automatic payments
Compare Our Auto Loan Options
Protect & Simplify Your Loan
When you close on an auto, truck, or van loan with PSCU, you may also be eligible for valuable add-ons to protect your investment and simplify your payments:
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Guaranteed Asset Protection (GAP)
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Credit Life Insurance
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Credit Disability Insurance
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Mechanical Repair Coverage (MRC)
*APR = Annual Percentage Rate. Qualified borrowers may receive a 0.75% APR reduction on eligible consumer loans with a minimum loan amount of $2,500. Offer excludes credit cards, indirect loans, mortgages, home equity loans, and Home Equity Lines of Credit (HELOCs). New loans only. Refinances of existing Public Service Credit Union loans are not eligible. A qualifying direct deposit with a minimum amount of $800 must be established prior to or within 30 days of the time of loan funding. Qualifying direct deposits include payroll, pension, or government benefits. Transfers between accounts do not qualify. All loans are subject to credit approval, membership eligibility, and program requirements. Rates are based on creditworthiness, term, collateral, and amount financed. Promotion is subject to change or end without notice. Federally insured by NCUA. Equal Housing Opportunity.
Frequently Asked Questions
What types of auto loans does PSCU offer?
PSCU offers auto financing for new and used cars, trucks, and vans. Members can also apply for auto refinancing, first-time auto buyer loans, auto equity loans, and lease buyout financing.
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Can I finance a new or used car with PSCU?
Yes. PSCU offers financing for both new and used vehicles, including cars, trucks, and vans. Auto loan options are designed to help members buy a daily driver, upgrade their current vehicle, or refinance an existing auto loan.
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Does PSCU offer auto refinancing?
Yes. PSCU offers auto refinance options for borrowers who already have an auto loan elsewhere and want to explore lowering their interest rate, reducing their monthly payment, or adjusting their repayment terms.
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Does PSCU have auto loans for first-time buyers?
Yes. PSCU offers a first-time auto buyer option designed for members buying their first vehicle. This option may be available without a co-signer or prior credit history, subject to credit approval, membership eligibility, and program requirements.
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What is an auto equity loan from PSCU?
A PSCU auto equity loan lets eligible borrowers use the value in a paid-off or nearly paid-off vehicle as collateral. This can help members access funds for needs such as debt consolidation, large expenses, or other financial goals while continuing to drive their vehicle.