Refinance & Save

Align Your Budget with a Refinanced Auto Loan

When you refinance your auto loan with us, you get more than just competitive rates. You gain access to flexible monthly payment options, digital banking tools that make it easy to manage your loan, excellent member service, and more.

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Auto Loans for Every Terrain

Our flexible auto loans keep you in the driver's seat with term and monthly payment options designed to fit your budget. Plus, for a limited time, you'll get a $250 cash bonus when you meet promo requirements!

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Current Rates

Valid as of XX/XX/XXXX

Term Rates As Low As* Monthly Payment Vehicle Value (Minimum) Loan Amount (Minimum)
1 - 63 Months 6.09% $18.59 / per
$1,000.00		 $3,000.00 $1,000.00
64 - 75 Months 6.24% $16.14 / per
$1,000.00		 $12,000.00 $4,000.00
76 - 84 Months 6.74% $14.97 / per
$1,000.00		 $20,000.00 $6,000.00
85 - 96 Months 8.74% $14.52 / per
$1,000.00		 $40,000.00 $12,000.00
* Rates “as low as” 6.09% APR assumes excellent creditworthiness; your rate may differ from the rate(s) shown here. Rate and loan amount subject to credit approval. Minimum APR is 6.09%. Maximum APR is 12.84%. If you change your payment method to coupon at any time, your interest rate will increase by .25% Annual Percentage Rate (APR). PSECU will finance up to 130% of the retail value of the vehicle for excellent creditworthiness. PSECU will finance up to 100% of the retail value of the vehicle for refinance of an existing PSECU vehicle loan. Value of the vehicle to be determined prior to final loan amount. The Manufacturer's Suggested Retail Price determines new vehicle values; Kelley Blue Book® or other authorized guides determine used vehicle values. Minimum value is $3,000. PSECU makes all final decisions regarding vehicle value. Monthly payment example: 63 monthly payments of $18.59 per $1,000 borrowed at the 6.09% APR or 75 monthly payments of $16.14 per $1,000 borrowed at the 6.24% APR. Monthly payment examples are representative of the maximum term for the corresponding rate per $1,000 borrowed. Your payment may be different from the examples shown. Your final loan rate will be determined by your credit history, model year of the vehicle, and loan term. Rates, terms, and information are subject to change at any time. Kelley Blue Book® is a registered trademark of the Kelley Blue Book Co., Inc.
Term Rates As Low As* Monthly Payment Vehicle Value (Minimum) Loan Amount (Minimum)
1 - 63 Months 6.34% $18.71 / per
$1,000.00		 $3,000.00 $1,000.00
64 - 75 Months 6.49% $16.26 / per
$1,000.00		 $12,000.00 $4,000.00
76 - 84 Months 6.99% $15.09 / per
$1,000.00		 $20,000.00 $6,000.00
85 - 96 Months 8.99% $14.65 / per
$1,000.00		 $40,000.00 $12,000.00
* Rates “as low as” 6.34% APR assumes excellent creditworthiness; your rate may differ from the rate(s) shown here. Rate and loan amount subject to credit approval. Minimum APR is 6.34%. Maximum APR is 13.09%. If you change your payment method to coupon at any time, your interest rate will increase by .25% Annual Percentage Rate (APR). PSECU will finance up to 130% of the retail value of the vehicle for excellent creditworthiness. PSECU will finance up to 100% of the retail value of the vehicle for refinance of an existing PSECU vehicle loan. Value of the vehicle to be determined prior to final loan amount. The Manufacturer's Suggested Retail Price determines new vehicle values; Kelley Blue Book® or other authorized guides determine used vehicle values. Minimum value is $3,000. PSECU makes all final decisions regarding vehicle value. Monthly payment example: 63 monthly payments of $18.71 per $1,000 borrowed at the 6.34% APR or 75 monthly payments of $16.26 per $1,000 borrowed at the 6.49% APR. Monthly payment examples are representative of the maximum term for the corresponding rate per $1,000 borrowed. Your payment may be different from the examples shown. Your final loan rate will be determined by your credit history, model year of the vehicle, and loan term. Rates, terms, and information are subject to change at any time. Kelley Blue Book® is a registered trademark of the Kelley Blue Book Co., Inc.
Term Rates As Low As* Monthly Payment Vehicle Value (Minimum) Loan Amount (Minimum)
1 - 63 Months 6.84% $18.94 / per
$1,000.00		 $3,000.00 $1,000.00
64 - 75 Months 6.99% $16.50 / per
$1,000.00		 $12,000.00 $4,000.00
76 - 84 Months 7.49% $15.34 / per
$1,000.00		 $20,000.00 $6,000.00
85 - 96 Months 9.49% $14.91 / per
$1,000.00		 $40,000.00 $12,000.00
* Rates “as low as” 6.59% APR assumes excellent creditworthiness; your rate may differ from the rate(s) shown here. Rate and loan amount subject to credit approval. Minimum APR is 6.59%. Maximum APR is 13.84%. If you change your payment method to coupon at any time, your interest rate will increase by .25% Annual Percentage Rate (APR). PSECU will finance up to 130% of the retail value of the vehicle for excellent creditworthiness. PSECU will finance up to 100% of the retail value of the vehicle for refinance of an existing PSECU vehicle loan. Value of the vehicle to be determined prior to final loan amount. The Manufacturer's Suggested Retail Price determines new vehicle values; Kelley Blue Book® or other authorized guides determine used vehicle values. Minimum value is $3,000. PSECU makes all final decisions regarding vehicle value. Monthly payment example: 63 monthly payments of $18.82 per $1,000 borrowed at the 6.59% APR or 75 monthly payments of $16.38 per $1,000 borrowed at the 6.74% APR. Monthly payment examples are representative of the maximum term for the corresponding rate per $1,000 borrowed. Your payment may be different from the examples shown. Your final loan rate will be determined by your credit history, model year of the vehicle, and loan term. Rates, terms, and information are subject to change at any time. Kelley Blue Book® is a registered trademark of the Kelley Blue Book Co., Inc.

Love Your Car, but Not Your Loan?

Refinancing your auto loan lets you keep the car you love and ditch the loan you don’t. With our vehicle refinancing options, you can:

Roll over a loan from another lender.
Frustrated with the financial institution you originally got your loan from? Or having sticker shock over your monthly payments after the intro rate on your dealer financing expired? Use one of our auto loans to pay off your existing loan. This will roll your auto loan over to us, allowing you to lock in one of our competitive rates and make your payments to PSECU instead of the lender you’d like to leave.
Get cash out from an existing PSECU auto loan.
You can refinance an auto loan you currently have with us and borrow up to 100% of the retail value of your vehicle (the vehicle’s minimum value must be at least $3,000). This allows you to keep your loan with us while getting access to cash. Please note that there is a $1,000 minimum cash out required to refinance.

Stress-Free Refinancing

When you refinance with us, you can feel:

Cool. Our competitive rates and flexible terms allow you to choose a monthly payment that fits your budget.

 


Calm. Our quick lending decisions can quiet your financing concerns.

 

Confident. You’ll feel good knowing you’re doing business with one of PA’s Top Auto Lenders*.


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Ready to Refinance?

Why pay more when you don’t have to? Follow these steps to refinance and save.

  • If you’re not already a member, you’ll need to apply for PSECU membership first and get approved before moving forward with your loan application. 
    Already a member? Move on to the next step!
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*Based on May 2024 Auto Lender Summary from Experian
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More gimmes + less gotchas = modern digital banking. Become a member today, and let your money live in the 21st century.

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