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Your complete auto buying resource! Get pre-approved, today!

Your car is your home away from home, so driving what you really want is pretty important. At Erie FCU, we’ve got auto loans with affordable rates and flexible terms that give you options for financing  your next vehicle.

Find the right car, at the right price and with our SMART Approval get pre-approved for the financing you need before going to the dealership! All from your desktop, iPad or phone! The power of car buying online is at your fingertips!

Complete your online application to get a pre-approval to finance your next vehicle. 

Get Pre-approved!

Apply for a new, used or refinance your current auto loan from another financial institution or to purchase a vehicle from a non-participating dealer, when you select this option.

Applying for an Auto Loan with the Erie FCU is now more convenient than ever!

To submit your application now, please select the application that best suits your needs.

2018-2021 New Auto Loans

Apply Online Now!

Model Year 2017 and Earlier - Used Auto Loans

Apply Online Now!

Loans subject to credit approval. Rates, term, and conditions vary based on creditworthiness, qualifications, and collateral conditions. Membership eligibility required.

* Insurance products sold through or in the credit union are not insured by the National Credit Union Administration (NCUA) and are not issued, guaranteed, or underwritten by the Credit Union or the NCUA or any other federal government agency. There is no requirement or obligation to purchase insurance from the Credit Union or any subsidiary, affiliate, or particular unaffiliated third party as a condition to obtaining a loan, and a decision as to insurance agents will not affect the credit terms in any way. The Credit Union may not condition an extension of credit on an agreement not to obtain, or a prohibition on the applicant from obtaining an insurance product or annuity from an unaffiliated entity.


Ready for your next vehicle?

Here's how to receive your AutoCash reward of a $50 Amazon gift card! 

  • Purchase your next vehicle at one of the participating AutoCash dealerships below!
  • Finance your new vehicle through Erie Federal Credit Union!
  • Must present AutoCash certificate at the time of purchase.
  • All criteria above must be met to receive gift card.  

20 Dealerships

Replace my car now!

Can you use a $50 Amazon gift card? At Erie FCU, we would like to make your next vehicle purchase easy and put some extra money in your pocket.  Click on the AutoCash button below and print your certificate; you’ll be glad you did!

Printable Auto Cash Certificate

Replace my car later!

Not ready to replace your current ride?  No worries, just click the below button and tell us your future vehicle replacement date and we will re-send this offer!

Future Request for AutoCash

Auto Loan Special Refinance Offer!   

Want to keep more of your money with YOU?  Well you can!  Going on right now, you can refinance your auto loan from another lender with us and see if you can get a rate reduction, cash back or both.  Plus, no payments for 60 daysRefi your Ride and Save! 

See if refinancing your auto is right for you!  Hurry though, offer ends November 30th, 2020. 

Rates last updated: 07/06/2020 03:46 PM

APR = Annual Percentage Rate.

The Annual Percentage Rates disclosed below with an asterisk ( * ) represent the lowest possible APR for that Auto Loan. Loans subject to credit approval. Rates, terms, and conditions vary based on creditworthiness, qualifications, and collateral conditions and are subject to change. Membership Eligibility Required. Contact us to determine your qualifying APR. Payment example: 60 months at 3.50% Annual Percentage Rate with no payment protection produces a payment of $18.20 per $1,000.00 borrowed. Erie FCU makes all final decisions regarding vehicle value and proper rate. Some restrictions apply. Please refer to the Loan Disclosures.

*A .25% discount off your qualifying APR is available. To qualify for the .25% discount, member must have an Erie FCU checking account with direct deposit and enroll in auto pay/payroll deduction. Auto loans only.


Loan Type APR APR w/auto pay/payroll deduction*
0 - 24 Months 2.24 1.99*
25 - 36 Months 2.99 2.74*
37 - 48 Months 3.62 3.37*
49 - 60 Months 3.74 3.49*
61 - 72 Months 3.99 3.74*
73 - 84 Months 4.74 4.49*

Visit Auto Center & Apply for Auto Loan


Loan Type APR APR w/auto pay/payroll deduction*
0 - 24 Months 3.74 3.49*
25 - 36 Months 3.99 3.74*
37 - 48 Months 4.24 3.99*
49 - 60 Months 4.49 4.24*
61 - 72 Months 4.74 4.49*
76 - 84 Months 5.74 5.49*

Visit Auto Center & Apply for Auto Loan  |  Calculators


Loan Type APR Term
New Boat & RV (0-24 Months) 6.25 24
New Boat & RV (25-60 Months) 6.75 60
New Boat & RV (61-84 Months) 7.25 84
New Boat & RV (85-120 Months) 7.75 120
Used Boat & RV (0-60 Months) 7.50 60
Used Boat & RV (61-84 Months) 8.00 84

Monthly Payment Estimator  |  Online Application

Let the journey begin here...

19 Car On Mountain Overlooking Valley

Apply Auto Purchase - Get Pre-Approved

Drive down your monthly payments!  Refinance your auto and save!

Apply for New - Auto Refinance

Apply for Used - Auto Refinance