Auto Loans for New & Used Vehicles
Whether you're in the market for a brand-new car or a dependable used vehicle, ACCESS Credit Union offers flexible auto loan options tailored to meet your needs.
Auto Loan Benefits
- Competitive Rates: Enjoy low interest rates that make your car buying experience more affordable.
- Flexible Terms: Choose from various repayment terms that fit your financial situation, whether you're buying new or used.
- Fast Approval: Get on the road quicker with our streamlined application process and quick decision-making.
New Car Loans
Dreaming of that new car smell? Finance your new vehicle with us and benefit from our lowest interest rates. Up to 100% of purchase price plus tax and tags. Terms from 3 to 7 years.
Used Car Loans
Looking for value in a pre-owned vehicle? Our used car loans are designed to give you the financial freedom to choose a car that fits your life and budget. Up to 100% of purchase price plus tax and tags. Terms from 3 to 7 years.
Lease Buyout Loan
We can also help you with a lease buyout loan if you're nearing the end of your lease and want to own the vehicle you're driving.
I've been a member with ACCESS Credit Union for a few years now! I had a car loan through them which they offered me a very reasonable interest rate and made the entire process easy. The staff is very friendly and willing to help. Would highly recommend.
- Krista M.
Applying for an auto loan is easy:
- Check Your Eligibility: You must be a member of the Credit Union to obtain a loan. If you are new to the Credit Union, please click on the "Non-Member" button on the application page to get started. If you are already a member, you can start your application using your account number or Home Banking login.
- Gather Documentation: Prepare necessary documents such as social security number, addresses and phone numbers, employment information, and estimates of income.
- Apply Online or In-Person: Use our convenient online application below or visit us at our branch in Bristol, PA to apply in person.
- Get Pre-Approved: Increase your bargaining power with dealers by getting pre-approved for a loan.
Ready to Hit the Road?
Visit ACCESS Credit Union today to learn more about our new and used auto loan options or to start your application. Our team is here to help you drive off with the perfect car and a financing plan that suits your needs. Call 215-788-0411 for details.
Disclaimer: Our calculators are for informational purposes only and are not intended to provide financial advice. All examples are hypothetical and for illustrative purposes only. The information provided when using the calculators does not constitute an agreement of any kind.
Auto Loan FAQ
You can apply for an auto loan at our branch in Bristol, PA, or apply online in just a few minutes. You will need to provide the following documentation: social security number, addresses and phone numbers, employment information, and estimates of income.
To apply for an auto loan at ACCESS Credit Union, you do not need to be a member although you must meet eligibility requirements for membership if you are approved for a loan.
There is no fee to apply for an auto loan.
There is no down payment required for an Auto loan however we will only lend up to 100% percent of NADA value.
No, a co-applicant is not typically required for approval. However, in certain cases, we may recommend adding a co-signer to strengthen your application.
During the pre-approval process, we perform a “hard inquiry” on your credit, which may cause a temporary, minor decrease in your score. Typically, any impact is small and fades within a few months.
At ACCESS Credit Union, we review your application details and the type of vehicle you’re interested in. During the application process, we evaluate your financial profile to determine the most competitive interest rate and create a loan plan that fits your needs.
While rates can vary between institutions, ACCESS Credit Union offers competitive low interest rates on auto loans, often lower than those offered by many national banks.
Yes! ACCESS Credit Union offers auto loans for both new and used vehicles. Loan terms range from 3 to 7 years, and financing is available for up to 100% of the purchase price plus tax and tags.
Yes, you can refinance your existing auto loan through ACCESS Credit Union! We offer refinancing options that may help you lower your current rate and monthly payment. Use our refinancing calculator, available through the ACCESS Car Shopping portal, to explore the rates that work best for you.