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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? Let us help put you in the driver’s seat. Choice One new & used car loans offer competitive rates and various terms to get you on the road quickly and conveniently. Get rates, calculate payments and apply, all right online. Plus, get pre-approved before you shop!

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New Vehicle & Motorcycles Rates

APR* Info and/or Terms
Rates as low as 4.14%* With terms up to 84 Months
110% Financing on Vehicles
80% Recreational Vehicles

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

Used Vehicle & Motorcycles Rates

APR* Info and/or Terms
Rates as low as 4.44%* With terms up to 78 months

*This rate includes the .25% discount with Auto Pay.
Rates as low as 6.94%* Older Vehicles / Recreational Vehicles 2010 OR OLDER Term: 42 Months

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

New Auto Loans

Time for a new ride? We want to see you ride in style while getting the best deal possible. The vehicle you want is within reach. As an added convenience you will have the option to get pre-approved online, by phone or at any of our branch locations. Finance a new auto at Choice One today.

• 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

Used Auto Loans

Choice One Community Credit Union used car loans are here to help you achieve your goal of vehicle ownership in northeast Pennsylvania. We offer low rates and great terms for used vehicles.

• 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

Refinance Your Auto Loan

Already have a loan with someone else? We may be able to save you money by refinancing your loan with us. Paying off your existing auto loan with a loan from Choice One Community Credit Union may offer certain benefits that save you money.

• 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.

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Auto Loan Pre-Approval

Take the hassle out of the car-buying experience. Get pre-approved for a car loan and know what your monthly payment will be based on what you want to spend. With your financing already in place, you will have more bargaining power to negotiate the best possible price with the dealer. You will also speed up the car buying process when your financing is pre-approved. 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

CUDL - Credit Union Direct Lending

Car Loan Financing at the Dealership with CUDL (Credit Union Direct Lending)
Choice One Community Credit Union can approve your New or Used Car Loan while you are at select local dealerships. Simply fill out the application here and find out how much you are eligible to borrow. It’s as easy as 1-2-3!

  1. Go to the Autosmart website and get pre-approved for your next auto loan.
  2. Visit any participating dealership and shop for a vehicle with your pre-approved amount.
  3. Drive away with your car that same day!

When shopping at the dealerships, look for the CUDL logo. Tell the dealer that you are a Choice One Community FCU member and ask for your financing through the CUDL system. To find a local participating dealership, connect to the CUDL AutoSMART Web site.

View CUDL® AutoSmart

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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