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We offer loan discounts that make electric and hybrid vehicles more affordable.
Car Loans
New and used vehicle loans
Discounted rates for new credit union members
Money-saving refinancing available
We know what it takes to get you out on the road.
Enjoy affordable rates - and a financing process built for speed.
Car, pickup or SUV? A brand new set of wheels or a pre-owned beauty? It can take a little time to find the perfect vehicle for your needs. But when it comes to auto loans, there's an easy choice - Philadelphia Federal Credit Union. Our fast pre-approval process, quick loan turnarounds and flexible terms are all geared to putting you in the driver's seat.
New Car Loan
- Loan terms up to 84 months - with limitations.
- Rates as low as 5.74% APR*
- Rate discount of 0.25% for new credit union members (in the first six months of membership).****
- Rate discount of 0.50% for electric and hybrid vehicles****
- Borrow up to 140%*** of the MSRP, including tax, tags, warranty and security system
New Car Loan
- Loan terms up to 84 months - with limitations.
- Rates as low as 5.74% APR*
- Rate discount of 0.25% for new credit union members (in the first six months of membership).****
- Rate discount of 0.50% for electric and hybrid vehicles****
- Borrow up to 140%*** of the MSRP, including tax, tags, warranty and security system
Used Car Loan
- Affordable loans for vehicles seven years old or newer
- Flexible terms that vary by year of automobile
- Rates as low as 5.99% APR**
- Borrow up to 140%*** of NADA retail value, including tax, tags, warranty and security system.
- Rate discount of 0.25% for new credit union members (in the first six months of membership).****
- Discount of 0.50% for electric and hybrid vehicles****
Used Car Loan
- Affordable loans for vehicles seven years old or newer
- Flexible terms that vary by year of automobile
- Rates as low as 5.99% APR**
- Borrow up to 140%*** of NADA retail value, including tax, tags, warranty and security system.
- Rate discount of 0.25% for new credit union members (in the first six months of membership).****
- Discount of 0.50% for electric and hybrid vehicles****
Refinanced Car Loan
- A new loan can save you money on monthly payments or help you pay off your loan more quickly
- Flexible terms that vary by year of automobile
- Rates as low as 5.99% APR**
- Discount of 0.50% for electric and hybrid vehicles****
- Borrow up to 140%*** of NADA retail value, including tax, tags, warranty and security system
Refinanced Car Loan
- A new loan can save you money on monthly payments or help you pay off your loan more quickly
- Flexible terms that vary by year of automobile
- Rates as low as 5.99% APR**
- Discount of 0.50% for electric and hybrid vehicles****
- Borrow up to 140%*** of NADA retail value, including tax, tags, warranty and security system
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TOOLS TO GET YOU AHEAD
Buying a Car in 2024: Auto Loans, Refinancing & More!
The car-buying process is an exciting journey for many people, but it's also one filled with stress and big decisions. From deciding whether to buy a used or new car to understanding the ins and outs of auto loans, a lot goes into your job as a first-time car buyer.
Take the risk out of hitting the road
You drive your vehicle to work, shop, visit friends and more. Make sure you're well protected wherever the road takes you with competitive policies and prices that meet your needs.
Auto Insurance
Philadelphia Federal Credit Union is a full-service financial institution with locations in Philadelphia and Columbia County, PA.