Auto Loan Discount
Exclusive discount for SJSU

SJSU students, faculty, staff, and alumni statewide are eligible to receive a 0.125% rate discount off of your auto loan with Provident. To receive your discount, be sure to mention SJSU when applying online, over the phone, or in a branch.
Apply for an Auto Loan
Enterprise Car Sales Event
Save even more when you shop during the Enterprise Car Sales event from 04/17/2025 – 05/31/2025.
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
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No payments for 90 days option025
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Multiple term options up to 60 months
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Current rate 10.625% APR002
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
- 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
Features
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100% Financing
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No payments for 90 days option025
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No maximum model year age or mileage restrictions
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Multiple term options up to 84 months
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Current rates as low as 5.500% APR002
All Enterprise vehicles come with the following:
- Haggle-Free Buying – most pricing set below Kelley Blue Book® Retail Value029
- Vehicle Certification
- 12-Month/12,000-Mile Limited Powertrain Warranty030
- 12-Month Roadside Assistance031
- Free CARFAX® Vehicle History Reports™
- 7-Day Repurchase Agreement032
View available vehicles, special deals, and find a location near you. Click the button below or call them directly at 888-CAR-SALE (888) 227-7253. Be sure to let them know that you're a Provident Credit Union member for a great rate on your auto loan or get pre-approved today. Start your application online. Call (800) 626-0224, option 3. Or make an appointment to visit a Provident community branch location.
Visit Enterprise Car Sales

Enterprise Car Sales
Receive a rate discount of 1% when you finance an Enterprise vehicle with Provident!028 Enjoy competitive used car prices and a professional staff that puts the customers' needs first. Enterprise Car Sales027 offers no-haggle buying along with a great value for your trade-in.
Visit Enterprise Car Sales
Financial Calculators
Browse calculators for common questions about mortgages, retirement, savings, and loans.
How Much Will My Vehicle Payments Be?
Use this tool to discover what your monthly payment would be.
What Vehicle Can I Afford?
Use this tool to calculate the size of vehicle loan you can obtain.
Which is Better, a New or Used Vehicle?
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.
- 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.
- 064) 1.00% off current rate. Current rate will vary based on credit worthiness and terms. Financing for qualified Provident Credit Union members. Not all buyers will qualify. Rate discount is not available to refinance existing Provident Credit Union auto loans. This offer cannot be combined with any other offer. Offer subject to change without notice and may expire anytime.
- 065) For a period of seven days beyond the date of delivery or 1,000 miles beyond the odometer reading at delivery, whichever comes first, the vehicle may be returned to Enterprise for repurchase at the exact price originally paid minus a $200 documentation and cleaning fee (as allowed by law). Restrictions apply. For details, see an Enterprise Car Sales Manager or call 1-888-227-7253.
- 066) Provident Credit Union makes no expressed or implied endorsement of any vendor or service. Information and services offered to you as a Provident Credit Union member by any vendor are provided as a member convenience only. Your participation is strictly on a voluntary basis. Offers are subject to credit approval and may change or be cancelled at any time. The "e" logo, Enterprise, "Borrow Smart. Buy Smart." and "Haggle-free buying. Worry-free ownership." are trademarks of Enterprise Holdings, Inc.
- 067) Price does not include tax, title, tags, governmental fees, any emissions testing charges, and any finance charges (if applicable). Unless otherwise stated separately in the vehicle details, price does not include processing, administrative, closing or similar fees of $149 or less. Vehicles subject to prior sale. We make every effort to provide accurate information including but not limited to price, miles and vehicle options, but please verify with your local Enterprise Car Sales location before purchasing. Current mileage may vary due to test drives and vehicle relocation. Used vehicles were previously part of Enterprise short term rental, lease fleet or purchased by Enterprise from other sources including auto auctions, with previous use possibly short term rental, lease or other.
- 068) Restrictions apply. For details, see an Enterprise Car Sales Manager.
- 069) Enterprise 12-Month Unlimited Mileage Roadside Assistance Package is provided by the American Automobile Association (AAA) and its affiliated clubs in the United States and Canada.
Auto Loan Resources
Auto Loan F.A.Q.s
Answers to frequently asked questions about our Auto Loans.
Apply for an Auto Loan
Start your car buying process by getting preapproved for an auto loan.
Meet With a Lending Consultant
Schedule an appointment with a lending consultant to discuss your loan options.
Protect Your Car
Guaranteed Auto Protection (GAP)
GAP offers protection from total loss or unrecovered theft.
Mechanical Breakdown Insurance (MBI)
Low cost supplemental coverage beyond your warranty.