Auto Loan Center


Auto Loans 

Our auto loans include the same low fixed rates on new and used vehicles. 100% financing is available, with a range of terms to meet your needs. Let Provident Credit Union finance your next car, truck, van, motorcycle, boat, or recreational vehicle.

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All Provident loans subject to credit approval.

Compare Provident Auto Loans

Select two to three loans to compare their rates to choose the one that's right for you.

Click on individual loan names below for a full "description", or click further down to learn more about our other auto-related services:

New and Used Vehicle Loans 

Enjoy low fixed rates on both new and used vehicles, with up to 100% financing,1 and terms from 12 to 84 months.2 Also available is a "no payments for 90 days" option.3

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1 100% financing available on used cars up to retail Kelley Blue Book value. Subject to credit rating. 2 Terms over 72 months require a minimum loan of $20,000. Subject to credit rating. 3 Payments begin 90 days after loan funding; interest accrues from day of funding.

Auto Refinance Loans 

For current auto loans. You may be able to lower your monthly payments!* Even a single percent less on your APR could potentially save you hundreds of dollars over the remaining life of your loan.

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* Refinance loans up to 100% Kelley Blue Book. Lowered monthly payments may require extension of current term.

College Auto Loans 

Are you a college student in the market for a new car? We offer an auto loan program designed exclusively for you! This first-time auto program helps you to realize your dreams of vehicle ownership -- with little or no credit history, and no co-signer required. If you're at least 18 years of age, have little or no credit history (i.e. no FICO score), are employed, and are a student, then you're eligible to apply for our new College Auto Loan Program. There are no application or processing fees. This is an excellent way to establish and build credit when you are just starting out.

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New and Used RV & Boat Loans 

You may finance your new or used RV (motor home or travel trailer) for up to 10 years, for loan amounts of $50,000 or more, or up to 15 years, for loan amounts of $100,000 or more. For lower loan amounts, finance up to 84 months.

Boats can be financed for up to 10 years on loan amounts of $20,000 or more. There are no minimum loan amounts for RV or boat loans of 5 years or less.

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Auto Insurance & Related Coverage 

Provident requires you to have proof of insurance in order to receive an auto, motorcycle, or RV loan.

Provident Plus Auto Insurance

Provident Plus Insurance Agency is owned entirely by Provident Credit Union and offers insurance for your home, auto, and commercial property. Provident Plus shops several major insurance carriers in order to find the best rate for your situation. Because we do the shopping for you, you can feel assured that you are getting the ideal insurance coverage at an affordable price. For more details and a free quote on your auto insurance needs, click here.

Credit Protection

Credit Protection is a voluntary debt cancellation product. Depending on the plan you select, it can cancel your loan balance or loan payments up to the agreement maximum for a specified amount of time, in the unfortunate event of major life setbacks such as disability, involuntary unemployment, accidental or other types of death, or a terminal condition. Click here for more information, or check the appropriate box when you apply for a Provident Credit Union auto loan.

Mechanical Breakdown Insurance (MBI)

Provident's bumper to bumper Mechanical Breakdown Insurance protects your vehicle over and above manufacturer's warranty, and typically costs less than most extended warranties offered through dealers. Click here for more information, or check the appropriate box when you apply for a Provident Credit Union auto loan.

Guaranteed Auto Protection (GAP)

Don't get caught holding the bag! With GAP, if your car gets stolen or totaled in an accident you won't have to continue paying off your loan if your insurance doesn't cover the entire amount. Click here for details, or check the appropriate box when you apply for your Provident Credit Union auto loan.

Auto Shopping 

Buying a vehicle can be a stressful ordeal. But we are here to make life easy for you. That's why we've partnered with Enterprise Car Sales and Autoland to offer you two types of auto buying services.

Click on the service below for more information:

Enterprise Cars Sales 

Receive a rate discount of 1% when you finance an Enterprise vehicle with Provident!1 Enjoy competitive used car prices and a professional staff that puts the customers' needs first. Enterprise Car Sales offers no-haggle buying along with a great value for your trade-in.

Enterprise Car SalesAll Enterprise vehicles come with the following:

  • Haggle-Free Buying – most pricing set below Kelley Blue Book Retail Value2
  • Vehicle Certification
  • 12-Month/12,000-Mile Limited Powertrain Warranty3
  • 12-Month Roadside Assistance4
  • Free CARFAX® Vehicle History Reports™
  • 7-Day Repurchase Agreement5

View available vehicles, special deals, and find a location near you. Click the button below or call them directly at 888-CAR-SALE (888-227-7253). Be sure to let them know that you're a Provident Credit Union member for a great rate on your auto loan or get pre-approved today.

Shop Enterprise

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Provident Credit Union makes no expressed or implied endorsement of any vendor or service. Information and services offered to you as a Provident Credit Union member by any vendor are provided as a member convenience only. Your participation is strictly on a voluntary basis. Offers are subject to credit approval and may change or be cancelled at any time. The "e" logo, Enterprise, "Borrow Smart. Buy Smart." and "Haggle-free buying. Worry-free ownership." are trademarks of Enterprise Holdings, Inc. 1) 1.00% off current rate. Current rate will vary based on credit worthiness and terms. Financing for qualified Provident Credit Union members. Not all buyers will qualify. Rate discount is not available to refinance existing Provident Credit Union auto loans. This offer cannot be combined with any other offer. Offer subject to change without notice and may expire anytime. 2) Price does not include tax, title, tags, governmental fees, any emissions testing charges, and any finance charges (if applicable). Unless otherwise stated separately in the vehicle details, price does not include processing, administrative, closing or similar fees of $149 or less. Vehicles subject to prior sale. We make every effort to provide accurate information including but not limited to price, miles and vehicle options, but please verify with your local Enterprise Car Sales location before purchasing. Current mileage may vary due to test drives and vehicle relocation. Used vehicles were previously part of Enterprise short term rental, lease fleet or purchased by Enterprise from other sources including auto auctions, with previous use possibly short term rental, lease or other. 3) Restrictions apply. For details, see an Enterprise Car Sales Manager. 4) Enterprise 12-Month Unlimited Mileage Roadside Assistance Package is provided by the American Automobile Association (AAA) and its affiliated clubs in the United States and Canada. 5) For a period of seven days beyond the date of delivery or 1,000 miles beyond the odometer reading at delivery, whichever comes first, the vehicle may be returned to Enterprise for repurchase at the exact price originally paid minus a $200 documentation and cleaning fee (as allowed by law). Restrictions apply. For details, see an Enterprise Car Sales Manager or call 1-888-227-7253.

Online Shopping Service 

As a member of Provident Credit Union, you have access to great auto loan rates and car buying made EASY with Autoland! Autoland works for you, saving you both time and hassle to get your perfect vehicle at a fair price. There's no obligation and your personal Autoland Consultant is available to help you regardless of where you buy your next car.

AutolandNo-hassle, no-haggle car buying with Autoland means:

  • Your Consultant does all the work to get your perfect new or pre-owned vehicle.
  • Your Consultant will coordinate your Provident auto loan.
  • You'll get you a great value for your trade-in.
  • Convenient delivery of your vehicle to the credit union!

Shop Autoland

Start your car search here or call (800) 234-6999 today to work with a personal Consultant.

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Apply Now!

To apply online for an auto loan, click on the apply button below, call us anytime at (800) 632-4600, option 3, or visit a local community branch during business hours. To receive a loan application by mail, e-mail our Lending Department.

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