Rates reflect a 0.25% discount with automatic payment from an active PFFCU Checking Account or distribution from a payroll check automatically deposited with PFFCU and 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. 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.
6. 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.