Auto and motorcycle loans

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.

Apply online

Young couple in SUV

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 a hybrid, electric or fuel-efficient vehicle.

3.24% APR1

Everence auto and motorcycle loans

  • New or used vehicles or motorcycles
  • Express auto loan option
  • Attractive rates
  • Repayment terms up to 72 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!

Learn more

Apply for an auto or motorcycle loan

Apply for a loan through our online banking provider.

Non-members should complete the membership application then apply for the loan online. 

Apply online Online membership application

Or apply by visiting your local branch or calling (800) 451-5719.

Everence Federal Credit Union

2160 Lincoln Highway E., Suite 20
Lancaster, PA 17602
Call or text: (800) 451-5719
F: (717) 735-8331 
E: infocu@everence.com

Download the app: App Store | Google Play

Find an Everence Federal Credit Union near you. 

Green auto discount

How to get the discount

Be a good steward of the environment and receive a 0.50 percent interest rate discount on your auto loan when you finance the purchase of a hybrid, electric or fuel-efficient vehicle. 

After receiving your auto loan approval notification, call (800) 451-5719 and ask to speak with a loan officer. Tell the officer you plan to purchase a hybrid or fuel-efficient vehicle. The loan officer will work with you to complete the loan and obtain the discount.3

Why buy green?

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 loan payment or your car purchase price. 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.

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

1 APR = Annual Percentage Rate. APRs for a 60-month loan currently range from 3.24% APR to 8.74% APR for credit scores ranging from 650 and higher. Loan payment example: The monthly payment per $1,000 borrowed at 3.24% APR for a term of 60 months would require 60 monthly payments of $18.08 based on 30 days until the first payment. Rates, terms, offers and conditions are subject to change at any time based on market conditions. Your final rate and discounts are determined by your credit history. Approval is subject to meeting established credit criteria. Loan rate details. 

2 Eligibility is determined by credit score and credit history. The express auto loan check is valid for 60 days after your loan approval.

3 Green auto loans apply to fuel-efficient, hybrid and electric vehicles and will be eligible for a 0.50 percent rate discount on the offered rate. A fuel-efficient vehicle is generally considered to have a combined highway and city MPG of 32 or higher. To determine if the vehicle is eligible, refer to the US Department of Energy's fuel efficiency website