Auto and motorcycle loans from Everence Federal Credit Union are simple, plus we reward you for buying an electric or hybrid vehicle.
for 60 months
With our express auto loan, shopping in the evening or on the weekend is no longer a problem! Skip financing with the dealer by taking a check from us to buy your vehicle.
Apply for an auto loan and once approved, we will issue a check to you.2
After finding your next vehicle, simply:
Already have a loan elsewhere? Consider our credit union auto refinance options to potentially lower your rate. And if you're budgeting for a bike, our motorcycle loan calculator can help you plan your payments.
2160 Lincoln Highway E., Suite 20
Lancaster, PA 17602
Toll-Free: 800-451-5719
Phone: 717-735-8330
Fax: 717-735-8331
Text: 717-735-8332
Email: infocu@everence.com
Download the app: App Store | Google Play
Find an Everence Federal Credit Union branch, shared branch, or fee-free ATM near you.
Be a good steward of the environment and receive a 0.50% interest rate discount on your auto loan when you finance the purchase of an electric or hybrid vehicle.
To receive the discount, tell your loan officer your plan to buy a "green vehicle."
Financial Calculators ©1998-2024 KJE Computer Solutions, Inc.
Click this menu to access additional calculator functions including:
Reset to Defaults: Click the "Reset to Defaults" button to reload the default values for this calculator.
Clear all Fields: Click the "Clear all Fields" button to clear all entry fields and reset any radio buttons or drop downs to their default values.
Copy Link: Click to copy a link to this calculator and its current entries to the clipboard. This link can then be pasted into a browser, or another location such as an email or a document. When the link is followed, it will bring up the calculator and load the values that were entered when the link was created.
Email: Click to create an email. Your email program will open with a new email and a brief summary of the calculator results. A link will also be generated as part of the email. When this link is clicked, the calculator page and the values used to create the email will open in a internet browser tab.
Save a copy*: This allows you to save a copy of your entries. Up to 10 sets of data are allowed for each calculator. All data is stored locally and encrypted within your browser. The data is not transmitted over the Internet.
* Note: The "Save a Copy" function is temporary and will only retain information until you clear your browser's cache.
Car financing: | Loan amount: $0.00 | [hide] |
Choose what you would like to calculate. You can choose to calculate the payment or the purchase price.
This is the total cost of your auto purchase. Include the cost of the vehicle, additional options and destination charges. This amount does not include sales tax. Sales tax will be calculated for you and included in your total after-tax price.
The amount you pay each month for your auto financing.
Number of months the loan will be in effect.
Annual interest rate for this loan.
Down payment: | $0.00 | [show] |
Total amount of cash and/or factory rebates applied to the purchase. The larger your cash down payment the smaller the loan you will need to finance this purchase.
The total amount that you are given for any automobile that you trade-in as part of the purchase. In some states a trade-in can also reduce the amount of sales tax you will owe. See the definition for "No sales tax deduction for trade-in" for more information on trade-in vehicles and sales tax.
Total loan balance still outstanding on the trade-in.
Taxes and fees: | $0.00 | [show] |
Any additional fee that is not subject to sales tax. This usually includes document fees or any other fees that may be due at delivery and are not taxable.
Any additional fee that is subject to sales tax. This usually includes title transfer fees or any other fees that may be due at delivery and are taxable.
Sales tax percentage rate charged on this purchase.
If you live in a state where your sales tax is calculated on your full purchase price, check this box in the calculator. If this box is unchecked, sales tax is calculated on the purchase price, less trade-in. Currently the District of Columbia, California, Hawaii, Maryland, Kentucky, Michigan and Virginia allow no deductions for trade-ins when calculating sales tax. In addition, Alaska, Delaware, Montana and New Hampshire have no sales tax on auto purchases. Oregon currently only collects tax on new vehicles.
Principal Balances for KJE1 in financing | [hide] |
How does the term affect my payment? | [show] |
How does the down payment affect my payment? | [show] |
Choose what you would like to calculate. You can choose to calculate the payment or the purchase price.
The amount you pay each month for your auto financing.
This is the total cost of your auto purchase. Include the cost of the vehicle, additional options and destination charges. This amount does not include sales tax. Sales tax will be calculated for you and included in your total after-tax price.
Number of months the loan will be in effect.
Annual interest rate for this loan.
Total amount of cash and/or factory rebates applied to the purchase. The larger your cash down payment the smaller the loan you will need to finance this purchase.
The total amount that you are given for any automobile that you trade-in as part of the purchase. In some states a trade-in can also reduce the amount of sales tax you will owe. See the definition for "No sales tax deduction for trade-in" for more information on trade-in vehicles and sales tax.
Total loan balance still outstanding on the trade-in.
Any additional fee that is not subject to sales tax. This usually includes document fees or any other fees that may be due at delivery and are not taxable.
Any additional fee that is subject to sales tax. This usually includes title transfer fees or any other fees that may be due at delivery and are taxable.
Sales tax percentage rate charged on this purchase.
If you live in a state where your sales tax is calculated on your full purchase price, check this box in the calculator. If this box is unchecked, sales tax is calculated on the purchase price, less trade-in. Currently the District of Columbia, California, Hawaii, Maryland, Kentucky, Michigan and Virginia allow no deductions for trade-ins when calculating sales tax. In addition, Alaska, Delaware, Montana and New Hampshire have no sales tax on auto purchases. Oregon currently only collects tax on new vehicles.
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Rates current as of June 1, 2025. Additional loan rate details.
1Annual Percentage Rates (APR) based on your credit, collateral and loan term. Must meet credit and collateral criteria to qualify.
2Eligibility is determined by credit score and credit history. The express auto loan check is valid for 60 days after your loan approval.
