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New & Used Car Loans

New & Used Car Loans

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In the market for a new or used car, light truck, or SUV? We can help you get where you need to go with affordable auto loan financing for new or used vehicles. Choice One new & used car loans offer competitively low rates and various terms to get you in the driver’s seat quickly and conveniently. You can view rates, calculate payments, and apply, quickly and easily, right online. Plus, enjoy extra bargaining power by getting pre-approved before you shop!

Car Loan Calculator

Car Loan Benefits

• Competitive auto loan rates on new and used vehicles.
• Flexible terms up to 84 months.
• Affordable monthly payments to fit your budget.
• You may be able to finance up to 110% of the vehicle value, including tax, tags, and extended warranties.
• Refinance an existing auto loan from another financial institution.
• No early payoff penalties.
• Simple online application.

Apply for a Loan

New Car Loan & Motorcycle Rates

APR* Info and/or Terms
Rates as low as 2.24%* With terms up to 84 Months
110% Financing on Vehicles
80% Recreational Vehicles

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

Used Car Loan & Motorcycle Rates

APR* Info and/or Terms
Rates as low as 2.64%* With terms up to 78 months

*This rate includes the .25% discount with Auto Pay.
Rates as low as 5.14%* Older Vehicles / Recreational Vehicles 2011 OR OLDER Term: 48 Months

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

Refinance Your Car Loan

Wouldn’t it be great to refinance your existing car loan to lower your rate or your monthly payment? That may be possible with a Choice One auto loan refinance. If you have your car loan with another financial institution we may be able to save you money. Paying off your existing car loan with a loan from Choice One may offer benefits that can help save you money. It’s time to trade in your car loan for a better deal from Choice One Community Credit Union.

• Refinance to reduce your monthly payments.
• Refinance to lower your interest rate.
• Refinance to select different terms.

Estimate your auto refinance with our auto refinance calculator to see if you can save money by refinancing.

Apply for a Loan

Auto Loan Pre-Approval

Auto loan pre-approval at Choice One can help put you in the driver’s seat with a better deal. Take the stress out of car shopping and negotiating. Get pre-approved for a car loan today. With your auto loan pre-approval already in place, you will have more bargaining power to negotiate the best possible price with the dealer and get you behind the wheel faster. Get pre-approved by Choice One online, by phone, or in person. Our loan officers will work to get you the best possible auto loan rate.

• Get a great rate.
• Know your budget.
• Save time.

Apply for a Loan

GAP Insurance

When your vehicle is stolen or damaged beyond repair, your insurance company may only pay what your new or used vehicle is worth, not your total loan balance. The peace of mind solution is your credit union’s MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP). It’s an insurance policy that helps cover the difference between your new or used vehicle’s value and your auto loan balance. Ask us for more details or download a Gap Insurance Brochure.

Extended Warranty

Choice One offers a variety of Extended Maintenance Warranties to protect your vehicle in the event of unexpected repairs. An Extended Warranty gives you the peace of mind needed when you buy a New or Used Vehicle. Many times these warranties are much more affordable directly through the credit union compared to what dealers charge. Ask us about all the details or download an Extended Warranty Brochure.

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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