Why Choose Princeton Federal Credit Union for Your Auto Loan?
Competitive Rates and Terms: We offer flexible options tailored to your financial situation, with no hidden fees.
Local Expertise: As a community-focused credit union, we're dedicated to serving our members, understanding those who need reliable vehicles for commuting.
Quick and Easy Process: Apply online, over the phone, or in person—pre-approvals available to make your next car purchase stress-free.
Personalized Support: Our team will help you explore financing options that make sense given your individual circumstances.
New Auto Loans
As Low As % APR*
We offer financing as follows:
model year or newer
Up to 140% of the vehicle cost (including taxes, tags and/or extended warranty purchased)
Up to an 84-month term
Get Pre-Approved Today
Give yourself that cash-in-hand negotiating advantage at the car dealership. Loan applications may be submitted for a loan pre-approval before you make a vehicle selection.
Stop by our friendly branch or apply for an auto loan
Apply by phone by dialing (609) 945-6200 Option 3.
Used Auto Loans
As Low As % APR*
We offer financing as follows:
or newer
Minimum loan amount of $1,000
Up to an 84-month term
Additional Details
Your auto loan may include:
No penalty for an early payoff
Automatic loan payment option via direct deposit or payroll deduction
New Auto Loan Rates
Applicable to New Motorcycles and Recreational Vehicles
Last Updated: February 1, 2026
◆ Add .50% APR* if payment is not auto-deducted from the checking account with full direct deposit into the checking account with PFCU.
Note: PFCU membership in good standing is required for all PFCU loans, and becoming a member is fast and easy.
| Type | Min. Amt. to Borrow | Max. Amt. to Borrow | APR* as low as | Max. Term (months) | Payment per $1,000 |
|---|---|---|---|---|---|
| (new) | $1,000.00 | $100,000.00 | % APR* | 60 | $ |
| (new) | $1,000.00 | $100,000.00 | % APR* | 72 | $ |
| (new) | $1,000.00 | $100,000.00 | % APR* | 84 | $ |
Used Auto Loan Rates
Applicable to Used Motorcycles and Recreational Vehicles
Last Updated: February 1, 2026
◆ Add 0.50% APR if payment is not auto-deducted from a PFCU checking account monthly with full direct deposit.
Apply by phone by dialing (609) 945-6200 Option 3
Note: PFCU membership in good standing is required for all PFCU loans, and becoming a member is fast and easy.
| Type | Min. Amt. to Borrow | Max. Amt. to Borrow | APR* as low as | Max. Term (months) | Payment per $1,000 |
|---|---|---|---|---|---|
| or newer | $1,000.00 | $100,000.00 | % APR* | 60 | $ |
| or newer | $15,000.00 | $100,000.00 | % APR* | 72 | $ |
| or newer | $20,000.00 | $100,000.00 | % APR* | 84 | $ |
| to | $1,000.00 | $100,000.00 | % APR* | 60 | $ |
| to | $1,000.00 | $100,000.00 | % APR* | 72 | $ |
TERMS AND CONDITIONS
*APR= Annual Percentage Rate. APR, terms, and/or loan to value of vehicle vary based on model year of vehicle and applicant creditworthiness. Must be a PFCU member in good standing (becoming a member is fast and easy!) and meet all lending requirements. Auto loan rates are are subject to change at any time without notice. PFCU reserves the right to terminate this promotion at any time. Limited time offer. Includes refinance of 2016 and newer model year vehicles. Minimum loan amount of $5,000 with a floor rate of 5.99% APR (payment per $1,000 borrowed for 60 months is $19.33). Existing auto loans at PFCU are not eligible for refinance. **Savings of $1,148.40 is based on a $20,000 loan for 60 months at 8.99% APR (payment per $1,000 is $20.75) that is refinanced with PFCU at $20,000 for 60 months at 6.99% APR (payment per $1,000 is $19.80). Please contact the credit union for complete details. Cannot be combined with any other promotions. This credit union is federally insured by the National Credit Union Administration (NCUA). Equal Housing Lender.