Drive Away with the Right Auto Loan
Buying or refinancing? We’ve got you covered with low rates, flexible terms, and protection options to keep you driving with confidence.
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Up to 100% financing – No down payment required for qualified borrowers
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Competitive rates & terms up to 84 months
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No application or processing fees
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Fast & easy online application
Affordable financing, flexible terms, and protection that keeps you covered—because buying a car should be as smooth as the ride.
All loans are subject to credit approval. Qualification is based on standard underwriting criteria including credit history, income verification, and ability to repay. Rates, terms, and conditions may vary based on creditworthiness and are subject to change at any time.
Buying your first car? We make it simple. Our First-Time Auto Buyers Program is designed for young adults and students ready to purchase a vehicle on their own—no co-signer needed. Build your credit while enjoying competitive rates, up to 60 months to repay, and a 10% security deposit that converts to savings. Plus, take advantage of special GAP & MRC pricing for added peace of mind.
Your journey starts with your first mile—let’s get you on the road.
First Time Auto Buyers
Protect your Investment
Say goodbye to unexpected repair costs! MRC helps cover costly mechanical repairs not included in your manufacturer’s warranty.
🔹 Choose your coverage level, mileage limit, and deductible ($0, $100, $250, or $500)
🔹 Covers parts & labor for major repairs
🔹 Available for new and used vehicles
Mechanical Repair Coverage (MRC)
If your car is totaled or stolen, GAP covers the difference between your loan balance and your insurance payout—so you’re not left paying for a car you no longer have.
🔹 Only $599
🔹 Includes Auto Deductible Assistance – Covers your deductible in the event of an accident
🔹 Can be easily added to your auto loan
Guaranteed Asset Protection (GAP)
Manage Your Money Anytime, Anywhere
Our accounts come with features like Early Pay, giving you access to your money up to three days sooner*, plus Mobile Deposit and Bill Pay for seamless financial management. Stay in control of your balances and bills wherever you are with Online Banking or our Mobile Banking App.
*Early Pay is a free service for all Public Service Credit Union members with direct deposit. ACH payroll can be posted up to 3 business days early, but not guaranteed. The payroll sender determines when they send the payroll files, PSCU has no control on how early payroll will come in.
