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PHONE: 215-934-3500 or 800-832-PFCU

ABA Routing # 236084298

Car Loans

With fast turnaround approval and competitive rates we can help you
find a ride without taking you for one.

Car Loans
What Kind of Car Loan are you looking for?
New Car Loan

New Car Loan

On the lookout for a new set of wheels? This loan can get you on the road that much faster with generous terms, quick response and loan turnaround.

Terms

Can go up to 84 months with limitations.

Interest Rates

As low as 2.49% APR* (based on applicant credit).

Discount of .25% for new members (in the first six months of membership).

Loan Amount

Up to 125%** of the MSRP, including tax, tags, warranty and security system.

Features

  • Fast application response.
  • Quick loan turnaround.
  • Flexible terms.
  • AutoDraft may be available - a blank check given to qualified members who are pre-approved for a new or used auto loan.
Apply or Continue Application
Used Car Loan

Used Car Loan

Got your eye on a golden oldie? Flexible terms, fast pre-approval can get you behind the wheel. We'll even help you negotiate the purchase price.

Terms

Flexible terms that vary by year of automobile. Loan amounts, rates and terms vary for used vehicles.

Interest Rates

As low as 2.74% APR** (based on applicant credit).

Discount of .25% for new members (in the first six months of membership).

Loan Amount

Up to 125%*** of NADA retail value, including tax, tags, warranty and security system.

Features

  • Fast application response.
  • Flexible terms.
  • Loans for older autos are open to members 16 years or older (those under 18 require a co-applicant).
  • AutoDraft may be available - a blank check given to qualified members who are pre-approved for a new or used auto loan.
  • Quick loan turnaround.
Apply or Continue Application
Refinanced Car Loan

Refinanced Car Loan

Refinance your current car with our low rates, and pay it off that much sooner.

Terms

Flexible terms that vary by year of automobile. Loan amounts, rates and terms vary for used vehicles.

Interest Rates

As low as 2.74% APR* (based on applicant credit).

Loan Amount

Up to 125%** of NADA retail value, including tax, tags, warranty and security system.

Features

  • Fast application response.
  • Quick loan turnaround.
  • Save money on interest or monthly payments.
  • No pre-payment restrictions.
Apply or Continue Application

Car Loan financing available only through licensed dealerships. Private Auto Loan sales can be financed with a Personal Loan or Home Equity Loan.

* APR = Annual Percentage Rate. Rates as low as 2.49% APR for terms up to 66 months on new auto loans. For each $10,000 borrowed over a term of 66 months, pay approximately $162.28 a month. All rates are subject to change based on market conditions, borrower eligibility, underwriting factors and terms over 66 months. Offer of credit is subject to credit approval. Other rates and terms available. Rate reflects all possible discounts. Certain restrictions apply for loans outside PA, NJ and DE. Consult a tax advisor regarding the deductibility of interest.
** APR = Annual Percentage Rate. Rates as low as 2.74% APR for terms up to 66 months on used auto loans. For each $10,000 borrowed over a term of 66 months, pay approximately $163.39 a month. All rates are subject to change based on market conditions, borrower eligibility, underwriting factors and terms over 66 months. Offer of credit is subject to credit approval. Other rates and terms available. Rate reflects all possible discounts. Certain restrictions apply for loans outside PA, NJ and DE. Consult a tax advisor regarding the deductibility of interest.
*** The maximum loan to value is limited by other underwriting factors.

Recreational Loans

With our fast loan approval process and some of the lowest rates around,
we can help you find your ride quick and easy.

RV Loans

RV Loans

Whether you are looking for a motor home or a travel trailer, our financing options make enjoying your next adventure more affordable than ever.

Apply Now for a RV Loans ▸

Boat Loans

Boat Loans

Float that new, used or refinanced boat, with easy terms, amazing rates and a personal touch.

Apply Now for a Boat Loan ▸

Motorcycle Loans

Motorcycle Loans

With low rates, easy terms, and a rapid approval process, hitting the road is as easy as riding a really, really loud bike.

Apply Now for a Motorcycle Loan ▸

Auto Loan Features & Services


Bill Payer

BILL PAYER

Pay your bills, safely, quickly, and reliably for free.
Learn more about Bill Payer ▸

Loan Payment Protection

LOAN PAYMENT PROTECTION

Sleep easy knowing you and your family are secure.
Learn more about Loan Payment Protection ▸

PFCU Member Support

PFCU MEMBER SUPPORT

Click on live chat with any questions or call us directly at 215-934-3500 or 800-832-PFCU.




Security & Privacy

SECURITY & PRIVACY

Our Security Resource Center can help you keep your money and your identity secure. 
Learn more about Security & Privacy ▸

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National Association of Federal Credit Unions 
PFCU is a proud member of the National Association of Federal Credit Unions
National Credit Union Administration 
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.
Excess Share Insurance Corporation 
Additional insurance of up to $250,000 on your savings accounts is provided by Excess Share Insurance Corporation, a licensed insurance company.
Equal Housing Lender 
We do Business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

We provide links to external websites for your convenience. Philadelphia Federal Credit Union does not endorse and is not responsible for their content, links, privacy or securities policies.

Please note that the amount of money contained in your investment accounts are considered non-deposit products and therefore, are not NCUA insured, not credit union guaranteed, may lose value, are not guaranteed by any government agency. Since they are not a deposit of the Philadelphia Federal Credit Union, investment accounts do not qualify for Excess Share Insurance (ESI). Securities, Financial Planning and Insurance products are offered through LPL Financial, and its affiliates, Member FINRA, SIPC. LPL Financial and Philadelphia Federal Credit Union are independent entities.