New and Used Vehicle Loans

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Auto Loan Features

100% Financing

Get full financing for new and used vehicles023—no large down payment needed.

Flexible Terms

Choose loan terms from 12 to 84 months024 to fit your budget.

Deferred Payments

Start payments up to 90 days after funding,025 giving you additional time to plan financially.

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 Calculators

Your Car Awaits

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Disclosures

  • 002) APR = Annual Percentage Rate. Rates are valid as of   and are subject to change.
  • 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. 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.
  • 025) Payments begin 90 days after loan funding; interest accrues from day of funding.

FAQs