Auto Loan Rates
Low rate auto loans
Auto Loans
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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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Auto Loan F.A.Q.s
Answers to frequently asked questions about our Auto Loans.