Auto Loans Made More Affordable
Whether you're looking to lower your current car payment or finance your next vehicle, Princeton Federal Credit Union is here to help you keep more money in your pocket.
Two Ways to Save
Choose the option that works best for you:
Refinance & Save
Paying more than 8.00% APR* on your current auto loan?
If your loan is financed with another lender, Princeton FCU may be able to lower your interest rate by up to 2% APR*, potentially reducing your monthly payment and helping you save over the life of your loan.
Potential benefits:
Up to 2% APR reduction*
Lower monthly payments
No application fee
Simple application process
See if refinancing could save you money.
Buy & Enjoy More Time Before You Pay
Purchasing a new or used vehicle?
For a limited time, enjoy up to 60 days before your first payment is due when you finance your vehicle with Princeton FCU.
That means more flexibility for your budget and more time to enjoy your new ride.
Potential benefits:
Up to 60 days before your first payment
Competitive rates and flexible terms
Financing for new and used vehicles
No application fee
Because your next adventure shouldn't have to wait.
AUTO LOAN PROMOTION 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 and meet all lending requirements. Auto loan rates are accurate as of October 1, 2026, and are subject to change at any time and without prior notice. PFCU reserves the right to terminate this promotion at any time. Available for refinance of eligible 2016 or newer model year vehicles. Minimum loan amount of $5,000. Existing auto loans at PFCU are not eligible for refinance. Cannot be combined with any other promotions. Limited time offer available through January 31, 2027. This credit union is federally insured by the National Credit Union Administration (NCUA). Equal Housing Lender.
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 800-456-5038 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: October 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) | $5,000.00 | $100,000.00 | % APR | 60 | $ |
| (new) | $5,000.00 | $100,000.00 | % APR | 72 | $ |
| (new) | $5,000.00 | $100,000.00 | % APR | 84 | $ |
Used Auto Loan Rates
Applicable to Used Motorcycles and Recreational Vehicles
Last Updated: October 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 (800) 456-5038 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 | $5,000.00 | $100,000.00 | % APR* | 60 | $ |
| or newer | $5,000.00 | $100,000.00 | % APR* | 72 | $ |
| or newer | $5,000.00 | $100,000.00 | % APR* | 84 | $ |
| to | $5,000.00 | $100,000.00 | % APR* | 60 | $ |
| to | $5,000.00 | $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 and meet all lending requirements. Auto loan rates are subject to change at any time without prior notice. Minimum loan amount of $5,000. This credit union is federally insured by the National Credit Union Administration (NCUA). Equal Housing Lender.