Auto Loan Rates

Check out our competitive rates on any of our loan or share account products. We also have a variety of interactive calculators that can help you plan for your future. You may also apply online for a number of our products and services.
Banks, Auto Dealers, and Mortgage Brokers negotiate rates. Why doesn’t PFFCU?

Rates are effective as of November 5, 2012 and are subject to change. Annual Percentage Rates (APRs).

Loan1 APR Monthly payment
per $1,0002
New Auto Loan
60 months
2.25%
2.99%
3.99%
$17.64
$17.96
$18.41
New Auto Loan
66 months
2.25%
3.25%
4.25%
$16.12
$16.57
$17.02
New Auto Loan
72 months
2.75%
3.75%
4.75%
$15.08
$15.53
$15.99
New Auto Loan
84 months
3.99% $13.66
Used Auto Loan
60 months
2.50%
3.50%
4.99%
$17.75
$18.19
$18.87
Used Auto Loan
66 months
2.75%
3.75%
5.25%
$16.34
$16.79
$17.48
Used Auto Loan
72 months
3.50%
4.50%
$15.42
$15.87

Rates reflect a 1/4% discount for automatic payment from a PFFCU account. Minimum loan amount for auto loans with terms of 61 months or greater is $10,000. Minimum loan amount for 84 month new auto loans is $15,000. Minimum loan amount for all other auto loans is $7,500. The AutoDraft can only be used to purchase or buyout a lease on an automobile (examples of vehicles that cannot be purchased using an AutoDraft are a motorcycle, mobile home, trailer, RV, boat, snowmobile, jet ski, off road vehicle, commercial vehicle, or any other untitled vehicle). The vehicle must be purchased from a business entity licensed to sell automobiles. PFFCU will only finance autos that have mileage of 105,000 or less. The maximum age of any auto to be financed is 7 years or less than the current calendar year (For example, in 2012 the oldest auto to finance is a model from 2005). AutoDraft can only be used to purchase a new car in PA, NJ, DE, MD, FL and NY or a used car from a licensed dealership in PA, NJ or DE.

  1. Your rate will depend upon your credit score at the time of the application.
  2. All payments quoted above are based on per $1,000 borrowed. To get a monthly payment for a specific borrowed amount, multiply the per $1,000 payment factor by the number of thousand dollars borrowed. For example, if you borrow $10,000, multiply 10 by the figure noted next to the specified loan product