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Credit Union Auto Loan Rates

Credit Union Auto Loan Rates

Apply for an Auto Loan

Rates As Low As 4.89% APR*  | No Payment for 90 Days*

Here at Choice One, we’re about helping our neighbors reach their goals. If you’re dreaming of a new car, a reliable used vehicle, or looking to save money by refinancing your current auto loan, we’re here to help make it happen. We offer competitive credit union auto loan rates designed with your budget in mind. Let our friendly, local team guide you through our simple process and show you how affordable your next ride can be. Discover the Choice One difference and see why our members trust us for all of their auto financing needs.

Apply for an Auto Loan

New Car Loan Rates

APR* Info and/or Terms
Effective Date: 08/01/2025
Rates Subject to Change at Anytime
Rates as low as 4.89%* With terms up to 84 Months
110% Financing on Vehicles

*This rate includes the .25% discount for Auto Pay.

Used Car Loan Rates

APR* Info and/or Terms
Effective Date: 08/01/2025
Rates Subject to Change at Anytime
Rates as low as 4.99%* With terms up to 78 months

*This rate includes the .25% discount with Auto Pay.
Rates as low as 8.49%* Older Vehicles 2015 OR OLDER Term: 48 Months

*This rate includes the .25% discount with Auto Pay.
Apply for an Auto Loan

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*APR=Annual Percentage Rate. Rates shown are for qualified borrowers and are subject to change without notice. Rates shown include a .25% discount for auto deduct from a Choice One share or share draft account. Contact your credit union loan officer for complete details and current rates. Finance charges will accrue during the auto loan 90 day no payment option.

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About Choice One

We serve more than 13,000 members (and counting) throughout Pennsylvania. If you live, work, worship, go to school or own a business entity in Luzerne, Lackawanna or Wyoming Counties, you are eligible to join. So, stop in today and see the difference at Choice One!

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