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If your current auto loan rate makes you wince, let’s fix it. Refinance with Choice One and we’ll beat your rate by 1%, plus you get 90 days with no payments.* The application takes minutes. We handle the payoff to your existing lender. You keep the car, drop the rate, and pocket the difference.
Low rates. Fast approval. No detours. Auto loans starting at 4.89% APR* for new vehicles and 4.99% APR* for used vehicles. Get pre-approval in minutes, from the credit union that makes lending decisions right here in NEPA. Terms go up to 84 months, with up to 110% financing, so you can fold in taxes, tags, and GAP Plus Protection without a separate out-of-pocket expense. These aren’t introductory rates. They’re our everyday rates, available to anyone who qualifies. Choice One, your choice for auto loans in NEPA.
At most financial institutions, applying for an auto loan feels like filing taxes: forms, hold music, and a vague promise that someone will call you back. At Choice One, it feels like ordering coffee. Apply online, by phone, or walk into any of our five branches. Our lending team reviews applications locally, which means no regional committee, no escalation queue, and no waiting around for someone in another state to decide your financial future. You get an answer fast because the people making the decision are sitting twenty minutes from your house.
Lower your auto payment and reduce your banking fees in the same visit. Choice One’s checking account has no monthly maintenance fees, no minimum balance requirement, and no per-check charges. You get a free VISA debit card, UChoose Rewards on every transaction, and mobile banking with mobile deposit. It pairs perfectly with an auto loan because autopay earns you that extra 0.25% rate discount.
Most applications are reviewed within minutes, not days. Apply online, call (570) 823-7676, or visit any of our five branches. Because our underwriting team is local, there’s no waiting for out-of-state approval.
New vehicle rates start at 4.89% APR* and used vehicle rates start at 4.99% APR*, both including a 0.25% autopay discount. Refinance rates beat your current rate by 1%.*
Absolutely, and we strongly recommend it. Pre-approval locks in your rate and terms before you shop, which means you negotiate the vehicle price without worrying about financing. It gives you the leverage of a cash buyer.
No per-check charges, no monthly maintenance fees, no minimum balance requirement, online account access, direct deposit, payroll deduction, online banking, mobile banking, BARB audio response phone system, e-statements, and more.
Anyone who lives, works, worships, attends school, or owns a business in Luzerne, Lackawanna, or Wyoming County, PA. Family members of existing members also qualify.
| APR* | Info and/or Terms
Effective Date: 01/01/2026
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. |
| APR* | Info and/or Terms
Effective Date: 01/01/2026
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 2017 OR OLDER Term: 48 Months *This rate includes the .25% discount with Auto Pay. |
*APR=Annual Percentage Rate. Rates shown are for qualified borrowers and are subject to change without notice. Choice One Community FCU may reduce your rate by 1%; however your rate will never be lower than our lowest advertised new or used car rates (inclusive of a .25% discount for autopay from a Choice One Share or Share Draft Account). If our regular rate provides you with more savings than this offer, you will receive the lower of the two rates. Proof of your current rate (APR) is required. All loans are subject to credit and underwriting approval. Present Choice One Community FCU loans are not eligible for this offer. Finance charges will accrue during the 90 day no payment option. Contact the credit union for complete details.
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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