PFFCU Auto Draft

For your convenience and negotiating power, apply for your PFFCU AutoDraft  before you head into the dealership. 

Start with a PFFCU AutoDraft

A PFFCU AutoDraft is an auto loan in the form of a check you can use to purchase a vehicle for any amount up to your approved limit.1 For your convenience apply for your PFFCU AutoDraft before you begin shopping. You’ll know your maximum loan payment and have more negotiating power at the dealership.

PFFCU finances up to 120%2 of the value of the new or used vehicle you purchase, so you’ll have extra funds to cover costs such as sales tax, registration fee, dealer document prep fee, GAP coverage, and Extended Warranty coverage. You can buy without a down payment.

Up to 7 year terms available for the purchase of new vehicles and up to 6 year terms available for the purchase of pre-owned vehicles to give you the lowest possible monthly payment. A 0.25% discount is available with automatic payment from an active PFFCU Checking Account or distribution from a payroll check automatically deposited with PFFCU and is SUBJECT TO CHANGE WITHOUT NOTICE.

Applying is Easy and Convenient

Call us at 215-931-0300 or 800-228-8801, stop by any PFFCU branch or Apply Online. Apply during branch hours and you’ll receive a loan decision in one hour.3 Or, apply online anytime after branch hours and you’ll receive a response the next business day.

You can pickup your PFFCU AutoDraft at any of our conveniently located branches. We can also mail your PFFCU AutoDraft to your home.

  1. The APR you receive will depend upon the term of the loan, your credit score at the time of application and the model year of the vehicle. Minimum loan amount for auto loans with terms of 64 months or greater is $10,000. Minimum loan amount for 2018, 2017, and 2016 model year vehicles with terms of 73 through 84 months is $15,000. Minimum loan amount for all other auto loans is $7,500. The maximum age on any car financed with an AutoDraft is six (6) years. Mileage may not exceed 75,000 miles. AutoDraft may not be used for sales between private parties, may not be used as a down payment on a vehicle and may not be used to purchase motorcycles, reconditioned, reconstructed, or salvage vehicles. AutoDrafts can only be used to purchase new cars in PA, NJ, DE, MD, NY, and FL and used cars in PA, NJ and DE, from business entities licensed to sell automobiles. The amount of the draft must not exceed the cost of the vehicle (net allowances or trade-ins) plus tax, tags, extended warranty, and dealer installed options. See AutoDraft for all terms and conditions.
  2. Financing up to 120% LTV available for members with Tier A+, Tier 1, and Tier 2 credit scores.
  3. One hour loan decisions are contingent upon receipt of all required application information.