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Routing/ABA Number: 226082022
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Credit Union Auto Loans | PSFCU

Home > Loans & VISA Cards > Personal Loans > Consumer Loans > Credit Union Auto Loans | PSFCU

Auto Loans                                    

The Polish & Slavic Federal Credit Union offers fast approval and convenient terms on loans for new and used cars or light trucks.

Purchasing a car?

Finding the right car can be hard enough, let us help with the financing. Our new and used auto loans offer:

  • Great low fixed rates
  • Up to 100% financing of purchase price, license and taxes with maximum loan amount of $100,000 for a new car
  • Up to 100% financing of vehicle value with maximum loan amount of $60,000 for a used car
  • Finance a car purchase from a dealer or private party
  • Flexible terms up to 7 years for a new and used car (please check our current promotions)
  • Used Auto must not be older than 5 years
  • No application fee or prepayment penalty
Refinancing your existing auto loan?

Refinance your existing auto loan from another financial institution to the Polish & Slavic Federal Credit Union and see how we can help you lower your monthly payment and save your money.

  • Low fixed rates
  • Amounts up to $100,000 for a new car and $60,000 for a used car  
  • Flexible terms up to 7 years for a new and used car (please check our current promotions)
  • Used Auto must not be older than 5 years
  • No application fee or prepayment penalty
Guaranteed Asset Protection (GAP) Insurance

Essential protection for your vehicle loan - and your finances.

McGuinness Branch

Protect your vehicle loan - purchase GAP today!

What is GAP?

If your vehicle is deemed a total loss due to an accident or theft, there can be a significant gap between what you owe on your loan and what your auto insurance will cover. Guaranteed Asset Protection may help make up the difference.

Why do I need it?

Essential financial protection on your vehicle loan that helps you drive with confidence. Talk to Polish & Slavic Federal Credit Union today about how we can help protect you from sudden out-of-pocket expenses with Guaranteed Asset Protection.

Eligibility and Terms

Your purchase of MEMBERS CHOICE™ Guaranteed Asset Protection (GAP) is optional and will not affect your loan 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-4738298.2-0522-0624 CUNA Mutual Group ©2022, All Rights Reserved.

Should I take a rebate or low-cost financing?

Purchasing an automobile can be a daunting task; picking out your favorite make and model is the easy part. Next come price negotiations, manufacturer rebate, figuring out how much to put down, best interest rate… Finally, just as you are about to have all that figured out, the dealer gives you a special offer of 0% APR financing. Seems too good to be true? Actually, it is.

The 0% APR dealer financing offer does come with a string attached – you don’t get to take the manufacturer’s rebate. With the low interest Auto Loan from PSFCU, currently offered at as low as 2.55% APR, you can end up paying much less out of pocket, even including interest. Take a look at the following example:

Let’s assume that you want to buy a new automobile for $25,000. Manufacturer or dealer offers you a $3,000 rebate or 0% APR financing without the rebate. If you take the 0% APR fi­nan­cing offer, your purchase cost remains at $25,000. However, if you decide to take the manufacturer rebate, your purchase price drops to $22,000. Even if you decide to finance the entire amount with no down payment, you can take a 5-year PSFCU auto loan at as low as 2.95% APR and will end up paying the total of approximately $23,692. In this case, your savings will amount to approximately $1,308.

When it comes to buying a car and getting an auto loan, use the calculator below to do your own math first and don’t fall for the 0% APR dealer loan offer.

APR = Annual Percentage Rate. Interest rate depends on credit history, collateral and type of loan. Registration of automatic loan payment from a PSFCU checking account is required to obtain the above promotional rate. Without automatic payment from PSFCU checking account, the rate will be 0.25% higher.Above calculations are examples only and do not represent actual loans. PSFCU is not responsible for calculation errors.

Apply for a PSFCU auto loan now or visit your local branch office today!

For your convenience, we can automatically deduct your payments from a designated account at the credit union. There is no penalty if you want to repay in advance, however the minimum payment is required each month.

Loan Example for Auto Loan: APR* Monthly Payment
$20,000 for 36 months: 3.450% $585.60
$20,000 for 60 months: 3.950% $367.89
$20,000 for 84 months: 5.450% $286.95

Click here for a calculator.

* Annual Percentage Rate as of 11/01/2022. The rate and APR you receive will be based on your credit history and other factors. All loans are subject to credit approval and verification. Applicant must be at least 18 years old. Products and rates are subject to change without notice. Products are not available in all states. PSFCU membership is required. Other restrictions may apply.
The calculations shown above are examples and are not representative of actual loans. PSFCU is not responsible for errors in calculations.
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