Auto Loans

Choose the loan that's right for you!

Let Provident Credit Union finance your next car, motorcycle, boat, or RV

Provident Auto Loans022 include:

Apply online for an auto loan, call us at (800) 632-4600, or visit a local community branch.

Schedule Appointment  

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 6.000% APR - 6.250% 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 6.000% APR - 6.250% 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.

This first-time program helps you realize your dream of vehicle ownership, with little or no credit history. No co-signer required. This is an excellent way to establish and build credit.

Features

  • No payments for 90 days option025

  • Multiple term options up to 60 months

  • Current rate 10.750% APR
     

College Auto Loans

Are you a college student in the market for a new car? We offer an auto loan022 program designed exclusively for you!

Features

  • Terms up to 10 years for loan amounts up to $50,000  Rates

  • Terms up to 15 years for loan amounts up to $100,000  Rates

  • No minimum loan amounts for RV or Boat loans of 5 years or less

New and Used RV & Boat Loans

Realize your dreams and finance your new or used RV (motor home or travel trailer) or boat loan with Provident.022 

Auto Loans

You can receive discounts based on your relationship with us. Ask us how!

Rates are valid as of and are subject to change.

Type Term Fixed Rate APR Payment per $1,000 Disclaimers
New & Used Auto Loan 1-36 months 6.000% $30.42 Q, R, SS, T
37-60 months 6.000% $19.33
61-72 months 6.000% $16.57
73-84 months ($20K min) 6.250% $14.73
College Auto Loan 1-60 months 10.750% $21.62 Q, R, SS, T, U
New & Used Motorcycle Loan 1-48 months 7.500% $24.18 Q, R, SS, T
New & Used Recreational Vehicle Loan 1-84 months 9.000% $16.09 Q, R, SS, T, X
85-120 months ($20K min) 9.500% $12.94
121-180 months ($50K min) 9.750% $10.59
New & Used Boat Loan 1-60 months 7.500% $20.04 Q, R, SS, T
61-120 months ($20K min) 8.500% $12.40
121-180 months ($50K min) 8.875% $10.07
  • Q) 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.
  • R) Term not to exceed one year (12 months) per $1,000 financed. Example: A $2,000 loan will have a maximum term of two years (24 months).
  • SS) APR - Annual Percentage Rate is subject to change and may vary depending on credit rating.
  • T) Payment per $1,000 balance is based on the interest rate listed with a maximum term. Example: for a 7 year (84 month), $20,000 new auto loan at the rate of 6.250%, multiply 20 x $14.73 for a payment amount of $294.57 (loan amount ÷ $1,000 x payment example = payment amount). Actual payment varies based on credit score, loan amount, term, model year, and type of vehicle.
  • U) For the College Auto Loan, borrower must be at least 18, employed, a student in an accredited college, university, or trade school, and have no FICO score or limited credit history.
  • X) A down payment may be required for approval based on the loan amount being requested and the borrower's credit score.

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

Enterprise Car Sales

Save more on used vehicles.

Enterprise

Provident Credit Union Auto Loan FAQs

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.