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New & Used Car Loans

New & Used Car Loans

Apply for an Auto Loan

Rates As Low As 3.74% APR*  | No Payment for 90 Days*

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!

Apply for an Auto Loan Auto Loan FAQs

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 125% 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 an Auto Loan

New Car Loan & Motorcycle Rates

APR* Info and/or Terms
Rates as low as 3.74%* With terms up to 84 Months
125% 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 3.99%* With terms up to 78 months

*This rate includes the .25% discount with Auto Pay.
Rates as low as 6.49%* Older Vehicles / Recreational Vehicles 2013 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 an Auto 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 an Auto Loan

GAP Insurance

Don’t let a wrecked vehicle wreck your finances.

Guaranteed Asset Protection (GAP) is a great way to protect your finances if the value of your vehicle is less than the amount of your car loan. A good rule of thumb is to assume your new vehicle will depreciate more than 20% after the first year that you own it, half of which occurs the minute you drive it off the lot.* This leaves a gap between what you owe on your loan and the value of your vehicle if it’s deemed a total loss due to an accident or theft. Our GAP program may reduce or eliminate the gap between what your vehicle insurance will pay and what you owe on your loan. Plus, it helps you get into your next vehicle by reducing your loan at the credit union by $1,000.00.

Contact us today to learn more about adding GAP Plus to your vehicle loan so you can worry less about tomorrow. For more details or download a Gap Insurance Brochure.


Disclosure and source:

*Car Depreciation: How Much Value Will a New Car Lose? CARFAX, Nov, 9 2018.

Your purchase of MEMBER’S CHOICE™️ Guaranteed Asset Protection (GAP), is optional and will not affect your application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions, and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee to your loan amount will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid.

GAP purchased from state chartered credit unions in FL, GA, IA, RI, UT, VT, and WI, may be with or without a refund provision. Prices of the refundable and non-refundable products are likely to differ. If you choose a refundable product, you may cancel at any time during the loan and receive a refund of the unearned fee. GAP purchased from state chartered credit unions in CO, MO, or SC may be canceled at any time during the loan and receive a refund of the unearned fee. GAP purchased from state chartered credit unions in IN may be with or without a refund provision. If the credit union offers a refund provision, you may cancel at any time during the loan and receive a refund of the unearned fee.

GAP-2454900. 1-0319-0421©️ CUNA Mutual Group, 2019. All Rights Reserved.

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.

*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.

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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