Auto loans

Finance your next new or used car with Everence Federal Credit Union. As an organization committed to integrating faith and finances, we care about how we impact the environment, so we have a unique incentive for people buying fuel-efficient vehicles.

Apply online

Young couple in SUV


Auto loans with a conscience

Auto loans from Everence Federal Credit Union are simple, plus we reward you for buying a fuel-efficient vehicle.

1.99% APR1

Everence auto loans

  • The car you want
    Finance a new or used vehicle
  • Attractive rates
  • Variety of terms
    Repayment terms up to 72 months on vehicles five years old or newer
  • Fuel-efficient vehicle discount
    0.50 percent rate discount for purchasing a hybrid or fuel-efficient vehicle2

Fuel-efficient vehicle 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 or fuel-efficient vehicle with Everence Federal Credit Union. 

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 fuel-efficient vehicle discount.

Apply for an auto loan

Apply for an auto loan through our online banking provider.

Non-members, complete the membership application and open accounts or apply for loans 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
T: (800) 451-5719
F: (717) 735-8331 

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Find an Everence Federal Credit Union near you. 

Payment protection

Our payment protection program can help protect you from unforeseen life 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.


1 Annual Percentage Rate. Auto loans available as low as 1.99 percent APR for qualified borrowers. Loan rate details. 

2 Green/hybrid auto loans will be eligible for a 0.50 percent rate discount on the offered rate. A green/hybrid vehicle is generally considered to have an average (highway and city MPG) of 32 MPG. To determine if the vehicle is eligible, refer to the US Department of Energy's fuel efficiency website