Auto Loan Discount

Exclusive discount for CSEA Members

CSEA members are eligible to receive a 0.125% rate discount off of your auto loan with Provident. To receive your discount, be sure to mention CSEA when applying online, over the phone, or in a branch.

Apply for an Auto Loan

Features

  • 100% Financing
  • No payments for 90 days option025
  • No maximum model year age or mileage restrictions
  • Multiple term options up to 84 months
  • Current rates between 6.500% APR - 6.750% APR depending on loan term.

New and Used Vehicle Loans

Enjoy low fixed rates on both new and used vehicles022, with up to 100% financing,023 and terms from 12 to 84 months.024

Features

  • 100% Financing

  • No payments for 90 days option025

  • No maximum model year age or mileage restrictions

  • Multiple term options up to 84 months

  • Current rates between 6.500% APR - 6.750% APR depending on loan term.

Auto Refinance Loans

For current auto loans, you may be able to lower your monthly payments!026 A single percent less on your APR could potentially save you hundreds over the remaining life of your loan.

Financial Calculators

Browse calculators for common questions about mortgages, retirement, savings, and loans.

All Calculators

How Much Will My Vehicle Payments Be?

Use this tool to discover what your monthly payment would be.

Calculate Monthly Payment

What Vehicle Can I Afford?

Use this tool to calculate the size of vehicle loan you can obtain.

Calculate Loan Amount

Which is Better, a New or Used Vehicle?

Determine whether you should buy a new or used car.
Calculate Cost of New vs Used Car

Disclosures

  • 022) Provident Credit Union is unable to finance branded or certain types of commercial vehicles. Out-of-state financing is available only at select dealerships and on certain types of transactions. If you are purchasing a vehicle from a private party, all necessary DMV documentation including a smog certificate dated within the last 90 days, may be required.
  • 023) 100% financing available on used cars up to retail Kelley Blue Book value. Subject to credit rating. 
  • 024) Terms over 72 months require a minimum loan of $20,000. Subject to credit rating.
  • 025) Payments begin 90 days after loan funding; interest accrues from day of funding.
  • 026) Refinance loans up to 100% Kelley Blue Book. Lowered monthly payments may require extension of current term.
     

Auto Loan Calculators

Auto Loan Resources

Auto Loan F.A.Q.s

Answers to frequently asked questions about our Auto Loans.

F.A.Q.s

Apply for an Auto Loan

Start your car buying process by getting preapproved for an auto loan.

Apply for an Auto Loan

Meet With a Lending Consultant

Schedule an appointment with a lending consultant to discuss your loan options.

Schedule Online

Protect Your Car

Guaranteed Auto Protection (GAP)

GAP offers protection from total loss or unrecovered theft.

Details

Mechanical Breakdown Insurance (MBI)

Low cost supplemental coverage beyond your warranty.

Learn More

Credit Protection

Choose from our comprehensive programs to help protect your credit.
Program Details