AUTO LOANS- NEW OR USED
When it comes to auto loans, we want our members to get the best service and a great rate. With an auto loan from PHFCU, you can save money and get the vehicle you want.
We've made our used car loan rates as low as our new car rates to ensure you get a great deal no matter what you're shopping for. Up to 8 year terms on new vehicles and up to 7 year terms on used vehicles. Loans for vehicles that are 8 to 12 model years old also available.
There are lots of styles of motorcycles that can help you become a road warrior, a custom enthusiast, or a die-hard rider. If you have a motorcycle in mind, we have the financing. Looks are not everything though. There’s also an economical side. Driving a motorcycle can save you money in gas and maintenance, which is a real plus in today’s economy.
REFINANCE TO PHFCU
Reduce your interest or monthly payment - possibly both - by refinancing your loan from another lender over to us. With flexible terms, you can choose a short-term loan to own your vehicle sooner or a long-term loan for the lowest possible payments. We have up to 8 year terms for New Autos and 7 Year terms for Used Autos.
EXTRA COVERAGE WITHOUT THE EXTRA $
PHFCU can offer you Mechanical Repair Coverage (MRC) and Guaranteed Auto Protection (GAP) at a cost lower than the industry average.
Guaranteed Auto Protection (GAP)
If your vehicle is stolen or totaled in an accident, your insurance will pay only the fair market value, which could be substantially less than what you still owe on the loan. GAP protects you against costly out-of-pocket expenses by paying what your insurance doesn't.
Mechanical Repair Coverage (MRC)
Reduce the risk of facing costly vehicle repairs by purchasing a service contract for your vehicle with Mechanical Repair Coverage. The plan pays for parts and labor, excluding wear and tear, on covered repairs at any authorized, franchised repair facility in the U.S.
Finance More with Us
We'll finance up to 115% of a car's MSRP or Kelley Blue Book Retail price, including tax and license or up to 125% for a motorcycle. You can also finance for up to 8 year on new vehicles and up to 7 year on used vehicles.
Get a Pre-Approved Loan (PAL) Certificate before going to shop for your next car. Knowing how much you can afford gives you more bargaining power.
Need help shopping around? Want advice and see what kind of vehicles are available? Check out our Auto Buying Guide.