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Pennsylvania State Employees Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 18 October 2023
Fact checked

Pennsylvania State Employees Credit Union auto loans overview

Pennsylvania State Employees Credit Union logo

Whether you’re looking to purchase, refinance, or buy out a lease, Pennsylvania State Employees Credit Union (PSECU) offers competitive vehicle loans. Qualified borrowers can secure rates as low as 5.49% APR and longer repayment options of up to 120 months.

Want to see what a PSECU auto loan will cost? Try the Pennsylvania State Employees Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key Meriwest Credit Union auto loan features

  • Minimum loan amount: $1,000.
  • Maximum loan amount: Up to 130% of the retail value.
  • Interest rates: As low as 5.49% APR.
  • Loan terms: Up to 120 months.
  • Loan fees: Undisclosed.
  • Discounts: Undisclosed.

PSECU AUTO LOAN OPTIONS

New and used auto loans

PSECU has up to 130% financing options for new and used vehicles and up to 100% for refinancing. The starting rate for purchasing, refinancing, and lease buyouts is as low as 5.49% APR, and repayment terms can stretch as long as 120 months. Plus, you have the option to purchase from a private party or a partner dealership.

Recreational vehicle loans

You can cover up to 100% of the retail value of recreational vehicles, too. These include motorhomes, travel trailers, camping trailers, and camper vans. Rates begin at 7.99% APR, and you can extend your repayment period for up to 180 months.

Business vehicle loans

Aside from auto and RV loans, PSECU also has loans tailored for business and commercial use. You can finance up to 100% of used and new cars, vans, and light-duty trucks. Moreover, terms can be up to 7 years.

Pennsylvania State Employees Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

Change
PSECU, Pennsylvania

PSECU, Pennsylvania auto loan

PSECU, Pennsylvania auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate PSECU, Pennsylvania auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a Pennsylvania State Employees Credit Union auto loan

Eligibility criteria

PSECU doesn’t list the criteria for financing, but you should normally be:

  • At least 18 years old
  • A legal resident
  • A member of PSECU
  • Employed or have a dependable source of income

To get approved for a car loan, it also helps to consider different types of lenders and get pre-approved. Each financial institution differs in its criteria, so compare the ones where you will likely qualify. This way, you can easily secure financing.

How to join PSECU

You can join PSECU if you meet one of the following criteria:

  • Reside with or are a relative of a PSECU member
  • Currently attend or work, a graduate, or attended one or more semesters in a select PA college or university
  • Employee of an employer headquartered in PA offering PSECU membership
  • Member of the Pennsylvania Recreation and Park Society (PRPS)

What you’ll need to have ready

Personal details

When you apply for auto financing with Pennsylvania State Employees Credit Union, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

Documents

You may need to provide PSECU with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

It’s helpful to have an idea about the car loan application process, too. This can give you an insight into what to expect so that you can come prepared for your application.

Ways to apply for a PSECU auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 800-237-7328

Additional PSECU auto loan details

  • Automatic payment: Available.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: None.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Hardship program: Undisclosed.
  • Ways to repay: Online banking, mobile banking, and over the phone.

Vehicle restrictions and limitations

  • Maximum vehicle age: Undisclosed.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Minimum value of $3,000 depending on the loan term.

PROS AND CONS

Pros

  • Low interest rates.
  • Loan terms extend up to 120 months.
  • Up to 130% financing.
  • Pre-approval with a blank check offered.
  • $300 auto loan cash bonus offered to qualified borrowers.
  • No prepayment penalty.
  • Convenient car-buying services offered.
  • Low minimum loan amount.
  • Purchase, refinance, and lease buyout available.
  • Dealership and private-party purchases allowed.
  • Optional auto warranty available.

Cons

  • Membership required.
  • Undisclosed loan fees.
  • Potential higher APRs for members with poor credit scores.

FREQUENTLY ASKED QUESTIONS

How much interest does the PSECU charge on car loans?

Interest rates range from 5.49% to 14.99% APR.

What is the maximum term of a PSECU auto loan?

PSECU offers extended loan terms of up to 120 months.

Can I repay my Pennsylvania State Employees Credit Union vehicle loan early?

Yes. You don’t need to pay prepayment penalties if you pay off your loan sooner.

How much do I qualify for with a PSECU auto loan?

You may borrow up to 130% of the vehicle’s retail value if you have excellent creditworthiness.

What information do I need to provide when applying for a PSECU car loan?

You need to indicate your personal and contact details, including your Social Security number, driver’s license, or other identifying documents. PSECU may also ask for information on your vehicle, like the make, model, year, and VIN.

How long does a PSECU auto loan take to be approved?

Usually, you can receive the loan decision within minutes or the same day.

How long does it take to apply for a Pennsylvania State Employees Credit Union car loan?

Online applications can take more or less 20 minutes to complete.

Video: Car buying vs leasing

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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