Thinking about a Lease?

“Leasing is quickly emerging as an important option for car buyers who are entering a vehicle sales market with constrained inventory and record high prices. We offer Auto Options as an affordable and flexible vehicle finance option similar to what leasing provides.”

Mitch Lamoureux, Vice President, Lending

Flexible Like a Lease

You Own Your Vehicle

New or Used Vehicles

PA Central’s Auto Options Program can put you behind the wheel of your dream car today!
Auto Options offers the benefits of owning plus the affordability of leasing in one flexible alternative. Whether you are looking for a new or used car, Auto Options can help you meet your monthly budget. Some Members have reduced their monthly payments by up to 40% and you can too! Apply Today!

Auto Options – Like a Lease but Better
Frequently Asked Questions (FAQs)

Is Auto Options a leasing program?

No, Auto Options is not a lease. It is similar in the fact that payments are lower, but you own your vehicle.

Can I finance a new or used vehicle?

You can purchase a new vehicle or used vehicle up to 5 years old from the current year.

Do I own the vehicle?

Yes, you own the vehicle and it is registered and titled in your name.

What options do I have at the end of my term?

You can trade in your vehicle, sell it privately, refinance, or walk away.

Are there any upfront fees or penalties?

No, no down payment is required and there are no penalties for paying the loan off early.

Who can I contact to get more information?

You can call us at 717-564-4661 and ask for Casey or Mitch or you can email us at