Auto and motorcycle loans with credit union benefits

Finance your next car or motorcycle with Everence Federal Credit Union. We care about how we impact the environment, so we have a unique incentive for people buying "green" vehicles. Use our auto and motorcycle loan calculator to estimate your monthly payments and consider a credit union auto refinance option to potentially lower your interest rate on existing vehicle loans.
Two people exchanging vehicle keys, symbolizing a credit union auto refinance or planning with a motorcycle loan calculator.
Features

Auto and motorcycle loans with a conscience

Auto and motorcycle loans from Everence Federal Credit Union are simple, plus we reward you for buying an electric or hybrid vehicle.

5.74% APR1

for 60 months

Everence auto and motorcycle loans

  • New or used vehicles or motorcycles
  • Express auto loan option2
  • Attractive rates
  • Repayment terms up to 84 months
  • Green auto discount
Express auto loan

We'll give you a check to go car shopping

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.

After finding your next vehicle, simply:

  • Finish filling out the check,
  • Give it to the dealer as payment,
  • Drive away in your new vehicle!

Apply for an auto or motorcycle loan

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.

Everence Federal Credit Union

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.

Green auto discount

Get a discount for buying a green car

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."

Payment protection

Our payment protection program can help protect you from unforeseen events

Debt protection

Everence loan protection is available with most loans. Available package options include one or more of the following benefits: loss of life, disability, involuntary unemployment. This optional payment protection product is made available by Everence Federal Credit Union.

Guaranteed asset protection

MEMBER'S CHOICE™ guaranteed asset protection (GAP) is an optional protection product made available by the credit union. In the event of a total loss, GAP is designed to cancel the difference between your primary insurance settlement and the outstanding loan balance, up to the contract maximums.

Mechanical repair coverage

Mechanical Repair Coverage can help you limit the cost of covered vehicle breakdowns. 
For more information, contact your local branch.
Auto loan calculator

Determine what your monthly payment will be

Use this calculator to help you determine your monthly car or motorcycle loan payment. If you're looking specifically for a motorcycle loan calculator, this tool can estimate payments based on your loan amount, interest rate, and term. After you have entered your current information, use the graph options to see how different loan terms or down payments can impact your monthly payment.
By changing any value in the following form fields, calculated values are immediately provided for displayed output values. Click the view report button to see all of your results.



Financial Calculators from
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Financial Calculators ©1998-2024 KJE Computer Solutions, Inc.









Auto & motorcycle loans | Everence Federal Credit Union, faith-based credit union
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Definitions

Calculate for

Choose what you would like to calculate. You can choose to calculate the payment or the purchase price.

Monthly payment

The amount you pay each month for your auto financing.

Total purchase price (before tax)

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.

Term in months

Number of months the loan will be in effect.

Interest rate

Annual interest rate for this loan.

Rebates and cash down

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.

Trade allowance

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.

Amount owed on trade

Total loan balance still outstanding on the trade-in.

Non-taxable fees (optional)

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.

Taxable fees (optional)

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 rate

Sales tax percentage rate charged on this purchase.

No sales tax deduction for trade-in

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.

Disclosure

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.