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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 instant pre-approval to finance your next vehicle. Print pre-approval and bring it to a Participating Dealership of your choice.

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.

2016-2018 New Auto Loans

Apply Online Now!

2012-2015 Used Auto Loans

Apply Online Now!

For auto loans earlier than 2012, please contact us at (814) 825-2436.

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?

You can receive an AutoCash reward just for taking a test drive or purchasing your next vehicle with a participating dealership!

Auto Cash 1

Here's how the program works:

1. Receive a $20 gas card by visiting one of the participating dealerships with your completed coupon.


2. Upgrade to a $50 Visa Card if you purchase a vehicle from a participating dealership and finance it through Erie Federal Credit Union. Call or visit Erie FCU to get pre-approved or tell the dealer you want Erie FCU financing.

The dealer will fax your completed coupon for fulfillment and return a copy to you as your receipt. You will receive your gift card in the mail in 2 weeks. (If you do not receive your gift within two weeks, please call 888-634-4704 between 8a-4p.)

Keep your receipt! Gift requests must be faxed to Autoline within 30 days after expiration of this promotion and are null and void without a completed copy of this form.

Erie FCU membership required. Limited to one gas card per household per 18-month period.

Printable Auto Cash Certificate

Digital Auto Cash Certificate

Rates last updated: 03/27/2018 04:02 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 2.33 2.08*
25 - 36 Months 2.84 2.59*
37 - 48 Months 3.09 2.84*
49 - 60 Months 3.59 3.34*
61 - 72 Months 3.94 3.69*
73 - 84 Months 4.59 4.34*

Visit Auto Center & Apply for Auto Loan


Loan Type APR APR w/auto pay/payroll deduction*
0 - 24 Months 3.00 2.75*
25 - 36 Months 3.50 3.25*
37 - 48 Months 3.75 3.50*
49 - 60 Months 4.50 4.25*

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

You're ready to make the next step, let's help you get started.  Select the option below that meets your needs.

Apply Auto Purchase - Get Pre-Approved

Apply for New - Auto Refinance

Apply for Used - Auto Refinance

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

Service members and their dependents may qualify for additional protections under federal law. Please call 1-800-480-0494 option 8 for additional disclosures.

Member Testimonial Image
Our experience with Erie FCU was terrific! When we set up our mortgage (first time homebuyers), we felt really comfortable – During the long process, they were warm and inviting; we weren’t just another number. Our loan officer was very professional answering all our questions and keeping us in the loop throughout. We also love the fact that Erie FCU invests in the community. They’re not in it just for their financial gain. We’re happy members of Erie FCU – that’s for sure.”
— Jon & Aubry D.