Low Rate Auto Loans

Various financing terms to meet your needs

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 as low as 5.500% APR002

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

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 5.500% $30.20 Q, R, SS, T
37-60 months 5.625% $19.16
61-72 months 5.750% $16.46
73-84 months ($20K min) 6.000% $14.61
College Auto Loan 1-60 months 10.625% $21.56 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 6.000%, multiply 20 x $14.61 for a payment amount of $292.17 (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.

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Calculators

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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.