First Commonwealth Federal Credit Union
Forbes 2020 Best in State credit unions

Auto Loans

If you’ve been dreaming of a new vehicle – something with a little more zoom or a little more room – First Commonwealth is here for you.

Get pre-approved before you shop. We offer:

  • No payments for 60 days
  • Up to 125% financing of MSRP or NADA  retail value on new or pre-owned vehicles
  • Terms up to 84 months on new purchases and pre-owned purchases
  • Pre-approvals with the ability to lock in your low interest rate for 30 days before purchasing

CarShopper

Find Your Next Car Now!

Apply Now

OTHER VEHICLE LOANS
Along with loans for cars and trucks, we also provide financing for motorcycles, boats and RVs.

You’ll enjoy:

  • Competitive rates
  • Affordable payments
  • Terms up to 84 months for new motorcycle purchases and up to 72 months for pre-owned purchases
  • Terms up to 144 months for boats and RVs

Express loan

Express Loan Checks

Ready to shop for your new car? Apply for an auto loan and leave with a check. No need to come back in to the center to close.

Go Express

Auto refinance

Refinance

Already have an auto loan from another lender?

Refinance Now

first time auto buyer

First-Time Auto Buyer

Our first-time auto-buyer program is designed for members with no credit history.

Learn More

Auto PreApproval

Check Your Loan Status

Already submitted an application? Need to check the status or upload documents?

Check Status

participating dealers

Verify Your Insurance

Need to send us verification of your auto insurance?

Verify Insurance

auto smart

Indirect Auto Dealers

Check our list of over 100 Indirect Auto Dealers!

Find Your Dealer

Payment Protection

A voluntary loan-payment protection product that helps you get relief from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly happens to you.

Loan Protection (GAP Plus)

Helps ease your financial burden by paying the potentially high-cost difference between your insurance settlement and your loan balance on items directly related to the purchase of your vehicle.

Auto Insurance

Special auto insurance program for
First Commonwealth's members.


Table data for Auto Loan Rates
 12-01-2020
Type Term1 APR (as low as)2 Alert Me
New Auto up to 36 months 2.24% Receive a notification when this rate changes
up to 48 months 3.24% Receive a notification when this rate changes
up to 60 months 3.49% Receive a notification when this rate changes
up to 66 months 3.49% Receive a notification when this rate changes
up to 75 months3 3.74% Receive a notification when this rate changes
up to 84 months4 3.99% Receive a notification when this rate changes
Used Auto up to 36 months 2.74% Receive a notification when this rate changes
up to 48 months 3.74% Receive a notification when this rate changes
up to 60 months 3.99% Receive a notification when this rate changes
up to 66 months 3.99% Receive a notification when this rate changes
up to 75 months3 4.49% Receive a notification when this rate changes
up to 84 months4 4.74% Receive a notification when this rate changes
External Refinances up to 84 months .25% rate discount Receive a notification when this rate changes
  • 1Term restrictions may apply for excess miles/mileage (100,000+ up to 175,000). Refinance terms up to 72 months only.↵
  • 2Annual Percentage Rates (APRs) are based on an evaluation of credit. Maximum LTV may vary, based on borrower's credit profile.↵
  • 32016 - 2020 model years only for used auto loans up to 75 months.↵
  • 42019 and 2020 model years only for used auto loans up to 84 months.↵
Table data for RV Loan Rates
 12-01-2020
Type Term APR (as low as)1 Alert Me
New & Used up to 60 months 5.74% Receive a notification when this rate changes
up to 84 months 6.74% Receive a notification when this rate changes
up to 120 months2 7.74% Receive a notification when this rate changes
up to 144 months 7.74% Receive a notification when this rate changes
  • 1Rates are based on an evaluation of applicant credit. Final rate may vary at closing.↵
  • 2$10,000 minimum loan amount for 85+ months.↵