PA Central FCU Auto Options Logo

Save up to 40% with Auto Options, our low-payment auto loan alternative!

See for yourself — compare Auto Options to a Conventional Loan.

Auto Options side by side comparison image

Whether you are refinancing or looking for another new or used car, Auto Options can help you meet your monthly budget. To view the Side-by-Side Loan Comparison for a vehicle visit Auto Link, search for your favorite Make and Model. When you see the vehicle you are interested in, select Lower My Payment to compare an Auto Options Loan to a Conventional Loan.

Apply TODAY for Auto Options Vehicle Financing!

The Auto Options Program combines the benefits of a conventional loan with the flexibility of a lease. With this program, you only pay for what you use which saves you money on your car payments.

Benefits of the Auto Options program:

  • Applies to new or used vehicles, up to 5 years old.
  • The title is in your name, making you the owner of the vehicle.
  • There are no hidden costs, up front fees, security deposit or down payment required.
  • No prepayment penalty.
  • Flexible loan terms for 36-72 months.
  • Payments are based on the actual use of the vehicle.
  • Eliminates the risk of negative equity associated with long term conventional financing.
  • At the end of the term, you have flexible options for the vehicle: trade it in, sell it, refinance it, make the final payment and keep it or simply return the vehicle with the guaranteed walk away* option.

*Walk away option requires a $195 disposition fee.