Choose the loan that's right for you!
Let Provident Credit Union finance your next car, motorcycle, boat, or RV
Provident Auto Loans include:
Low fixed rates on new and used vehicles.
No Payments for 90 days option
100% financing is available
Range of terms to meet your needs.
Rate discount available to qualified members. Contact us for details.
Apply online for an auto loan, call us at (800) 632-4600, or visit a local community branch.
No payments for 90 days option
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.
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.
No payments for 90 days option
Multiple term options up to 60 months
Current rate 11.000% APR
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||6.500%||$30.65||Q, R, SS, T|
|73-84 months ($20K min)||6.750%||$14.97|
|College Auto Loan||1-60 months||11.000%||$21.74||R, SS, T, U|
|New & Used Motorcycle Loan||1-48 months||8.000%||$24.41||Q, R, SS, T|
|New & Used Recreational Vehicle Loan||1-84 months||9.250%||$16.22||Q, R, SS, T, X|
|85-120 months ($20K min)||9.750%||$13.08|
|121-180 months ($50K min)||10.000%||$10.75|
|New & Used Boat Loan||1-60 months||8.000%||$20.28||Q, R, SS, T|
|61-120 months ($20K min)||8.750%||$12.53|
|121-180 months ($50K min)||9.125%||$10.22|
- Q) No branded or salvaged titles.
- 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 6.750%, multiply 20 x $14.97 for a payment amount of $299.42 (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.
Provident Credit Union Auto Loan FAQs
- 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.