Credit Union Auto Loan Rates

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: 05/01/2026 Rates Subject to Change at Anytime
Rates as low as 4.39%*	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: 05/01/2026 Rates Subject to Change at Anytime
Rates as low as 4.49%*	With terms up to 84 months *This rate includes the .25% discount with Auto Pay.
Rates as low as 8.49%*	Older Vehicles 2017 OR OLDER Term: 48 Months *This rate includes the .25% discount with Auto Pay.

Apply for an Auto Loan

See What Our Members Say!

         Posted on Google  
   
   Y Aschenbrenner 
 
 
 
 Trustindex verifies that the original source of the review is Google. Kaitlyn (sorry if misspelled) was awesome on the phone, communicative, thorough,, helpful, and with a positive energy. And they cash savings bonds for non members!
  
 
      Posted on Google  
   
   Karen Albert 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great people always there to help with questions or problems
  
 
      Posted on Google  
   
   James O'Meara 
 
 
 
 Trustindex verifies that the original source of the review is Google. Wonderful staff, helpful and knowledgeable!
  
 
      Posted on Google  
   
   Kenneth Malys 
 
 
 
 Trustindex verifies that the original source of the review is Google. Good service!
  
 
      Posted on Google  
   
   Frances Marie 
 
 
 
 Trustindex verifies that the original source of the review is Google. Always very helpful and friendly. No matter how busy   When I did an auto loan the rep was so helpful and made it so easy.
  
 
      Posted on Google  
   
   tabby 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great people great place never a long line. Will go there again.
  
 
      Posted on Google  
   
   Helen Kotowicz 
 
 
 
 Trustindex verifies that the original source of the review is Google. Very pleasant staff both drive thru and inside office very efficient and knowledgeable whenever I had a question or issue Thank You for being the best place to know my money is safe
  
 
  
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      Verified by Trustindex  Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more

*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!

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

New Car Loan Rates

Used Car Loan Rates

See What Our Members Say!

Expert Advice

About Choice One

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