Car Loan Rates in PA – New & Used

Auto Loan Rates PA – New & Used Vehicle Loans

Come to your Choice One Credit Union when you’re ready to finance a new or used car, van, light truck or SUV. You may be able to finance up to 110% of the vehicle value, including tax, tags and extended warranties, plus choose a repayment term up to 84 months. Ask us about our auto loan rates and see how much we can help you save!

Applying Is Fast, Easy & Convenient!

If you need help to apply for your loan, call or stop by the credit union ‒ or you can do it yourself and apply online whenever it’s convenient for you.


Used Vehicle & Motorcycles

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 Vehicle & Motorcycles

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.


Here are a few ways we can help you drive home a great deal:

Get Your Car Loan Rate in PA Pre-approved

For the best car loan rates PA, contact Choice One FCU.You’ll know what your monthly payment will be based on what you want to spend, not based on the dealer’s financing plan that often includes a higher vehicle cost. With your financing already in place, you can negotiate the best possible price, which can save you hundreds of dollars. You will also speed up the car buying process when your financing is pre-approved.

Car Loan Financing at the Dealership with CUDL (Credit Union Direct Lending)

Choice One FCU can approve your New or Used Car Loan while you are at select local dealerships. Fill in 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.

MAPS™ ‒ Better Than A Lease Option

This innovative program makes it easy to buy a new vehicle every two or three years, plus allows you to upgrade to a vehicle you thought you couldn’t afford with lower monthly payments. You can also finance a used vehicle.

Although the program is similar to a leasing, there are important differences. Unlike leasing, you have full ownership of the vehicle plus there’s no security deposit, no “wear and tear” penalties, and no capitalization fees. Ask us for complete details on the car loan program or learn more here.

Know Your Vehicle’s Value & History

Use our online links to determine what your current vehicle’s retail and trade-in values are, plus what the approximate price of the new vehicle you are shopping for should be. You can also check the vehicle history of a used vehicle you are considering buying.

Click on the links below to learn more about factors in determining used car loan rates

CarFax® For Peace Of Mind

When you are buying a used vehicle, be sure to ask the dealership for the CarFax vehicle history report. The CarFax® nationwide database provides damage and service histories based on the Vehicle Identification Number (VIN). You’ll know if the vehicle was reported as flood damaged, involved in an accident, number of owners and its available service history.

Protect Your Vehicle Investment With 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 Maintenance Warranties

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.

Refinance And Save

When you refinance a vehicle loan you have elsewhere at Choice One, you could save money instantly and lower your monthly payment. Call or visit the Hazleton or Wilkes-Barre credit union locations for details on our new & used auto loan rates in PA.


*Choice One Community Credit Union of PA provides links to third party websites as an information resource for our members. By clicking link(s), the member understands that the credit union is not responsible or liable for the content, endorsements or any claims made by the third party resource(s). 


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