AUTO LOANS

Drive Home the Savings

Save time and money when buying a new or preowned vehicle.

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Move Forward With an Auto Loan From PFFCU

Competitive rates and no hidden fees

Competitive rates and no hidden fees

No down payment required

No down payment required

Terms up to 7 years (new) or 6 years (preowned)

Terms up to 7 years (new) or 6 years (preowned)

Up to 120% financing to cover extra costs3

Up to 120% financing to cover extra costs3

Fast application and approval

Fast application and approval

Annual Percentage Rates (APRs) are effective as of December 15, 2024 and are subject to change.
2025, 2024, 2023, and 2022 Model Vehicles

Loan1APRMonthly Payment per $1,0002
63 months | Minimum $7,5005.99%$18.54
6.24%$18.66
6.99%$19.01
7.99%$19.49
72 months | Minimum $10,0006.24%$16.69
6.49%$16.81
7.24%$17.16
8.24%$17.65
75 months | Minimum $12,5006.24%$16.14
6.49%$16.26
7.24%$16.62
84 months | Minimum $15,0006.74%$14.97
6.99%$15.09
7.74%$15.46

Loan1APRMonthly Payment per $1,0002
63 months | Minimum $7,5006.24%$18.66
6.49%$18.77
7.24%$19.13
8.24%$19.61
72 months | Minimum $10,0006.49%$16.81
6.74%$16.92
7.49%$17.29
8.49%$17.77
75 months | Minimum $12,5006.49%$16.26
6.74%$16.38
7.49%$16.74

Loan1APRMonthly Payment per $1,0002
63 months | Minimum $7,5006.74%$18.89
6.99%$19.01
7.74%$19.37
8.74%$19.85
72 months | Minimum $10,0006.99%$17.04
7.24%$17.16
7.99%$17.53

How Much Car Can You Afford?

 
Supercharge Your Negotiating Power With a PFFCU AutoDraft Supercharge Your Negotiating Power With a PFFCU AutoDraft

AUTODRAFT

Supercharge Your Negotiating Power With a PFFCU AutoDraft

Get a PFFCU AutoDraft before you start car shopping, and you’ll get your loan in the form of a check. Then, buy a vehicle at any dealership for any amount up to your approved limit.2 Apply online and you’ll get a decision by the next business day – or apply at a Branch and you’ll be on your way in an hour or less.4 It’s that easy.

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Refi and Reduce Your Payments Refi and Reduce Your Payments

AUTO LOAN REFINANCING

Refi and Reduce Your Payments

If you have an auto loan elsewhere, you could save big by refinancing with PFFCU. Check out our current rates and terms and calculate how much you could save each month. If your car is less than two model years old, we’ll give you our lower new-car rate. The process is simple, and you can get started online, by phone, or at any Branch.

Join & Apply Now Apply Now
Purchase your Leased Vehicle with PFFCU Purchase your Leased Vehicle with PFFCU

Auto Lease Buyout

Purchase your Leased Vehicle with PFFCU

If you currently have a leased vehicle, and are at the end of your lease obligations, buyout/purchase your vehicle with PFFCU. Because leasing companies have different maturity policies, give us a call or stop by a Branch to learn about the different options available. To start the process, you will need, among other things, your vehicle information and amount needed to buy out the remainder of your lease.

Contact Us
Lock In Additional Savings With PFFCU + TrueCar<sup>®</sup> Lock In Additional Savings With PFFCU + TrueCar<sup>®</sup>

CAR BUYING SERVICE

Lock In Additional Savings With PFFCU + TrueCar®

When you use PFFCU car buying service powered by TrueCar, you can search top brands, access discounted5 upfront pricing, and visit a local dealership to finalize the sale with confidence. Trading up? You can find out what your current vehicle is worth and get a cash offer in minutes.

Find Your Car
Access Reported Used Car History With CARFAX<sup>®</sup> Access Reported Used Car History With CARFAX<sup>®</sup>

CARFAX

Access Reported Used Car History With CARFAX®

Before you buy a preowned vehicle, get a CARFAX report. Just enter the VIN (vehicle identification number) or license plate and state to access detailed information about the vehicle’s service history, ownership records, accident data, type of use, open recalls, reported mileage, and other factors that could impact its value and reliability.

Get Started
Stay Protected for Less With PFFCU + TruStage<sup>TM</sup> Stay Protected for Less With PFFCU + TruStage<sup>TM</sup>

CAR INSURANCE

Stay Protected for Less With PFFCU + TruStageTM

Have you gotten a car insurance quote lately? PFFCU members could save hundreds of dollars through TruStage.5 Plus, you’ll get friendly 24/7/365 service, a mobile app for easy claims, optional roadside assistance, and additional discounts for multiple cars, good driving, and more. It’s easy to obtain a free, no-obligation quote today.

Get a Quote
Ensure Total Coverage With GAP PLUS Insurance Ensure Total Coverage With GAP PLUS Insurance

GAP INSURANCE

Ensure Total Coverage With GAP PLUS Insurance

If your car is totaled or stolen, your car insurance will cover its actual cash value, but you’re still liable for any difference between that amount and your outstanding auto loan balance. GAP (Guaranteed Asset Protection) PLUS can cover loan amounts up to $125,000, and it also provides $1,000 toward the principal of a new auto loan from PFFCU.6

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Ready to Roll

Our Member Service Representatives can help you select the right auto loan for your needs and goals. Find a Branch or call us at 215.931.0300.

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Tap for Convenience

Download the PFFCU Mobile App for quick, secure access to your accounts and tools like:

Mobile check deposit
Online loan applications
Customized debit/credit card controls
Learn More

More Financial Solutions

You name it. We’ll help you do it. PFFCU offers a full suite of personal banking and lending products.

Disclosures
Rates are SUBJECT TO CHANGE WITHOUT NOTICE. PFFCU will only finance autos that have mileage of 75,000 or less. 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. The vehicle must be purchased from a business entity licensed to sell automobiles. The maximum age of any auto financed with an AutoDraft is seven (7) years from the current model year (for example, as of January 1, 2024, the oldest auto available to finance with an AutoDraft is a model from 2017). An 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. For non-AutoDraft Auto Loans, the maximum age of any auto to be financed is seven (7) years from the current model year (for example, as of January 1, 2024, the oldest auto available to finance is a model from 2017).
  1. The APR (annual percentage rate) 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 through 72 months is $10,000. Minimum loan amount for 2025, 2024, 2023, and 2022 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 seven (7) 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. 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.
  3. Financing up to 120% LTV available for members with Tier A+, Tier 1, and Tier 2 credit scores.
  4. One-hour loan decisions are contingent upon receipt of all required application information.
  5. Between 1/1/24 and 3/31/24, the average savings off MSRP experienced by consumers who connected with a TrueCar Certified Dealer through a TrueCar-powered auto buying program and who were identified as buying a new vehicle from that Certified Dealer was $2,385. Your actual savings may vary based on multiple factors, including the vehicle you select, region, dealer, and applicable vehicle-specific manufacturer incentives, which are subject to change. The MSRP is determined by the manufacturer and may not reflect the price at which vehicles are generally sold in the dealer’s trade area, as many vehicles are sold below MSRP. Each dealer sets its own pricing.
  6. TruStage™ Auto program is offered by TruStage Insurance Agency, LLC. and issued by leading insurance companies. The TruStage Auto & Homeowners Insurance Program is made available by CUNA Mutual Insurance Agency, Inc. and underwritten by leading insurance companies. PFFCU is not affiliated with CUNA Mutual Insurance, which is an independent, third-party service provider. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. PFFCU has no role in determining if you qualify for any of the services/products offered. Discounts are not available in all states and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state regulations allow. The insurance offered is not a deposit and is not federally insured or guaranteed by PFFCU.
  7. Member’s Choice™ Guaranteed Asset Protection is available for loan terms up to 72 months and is offered through the CUNA Mutual Group, which is not affiliated with PFFCU. The new auto loan must be financed with PFFCU within 120 days of your total loss claim.