Welcome and thanks for financing through PA Central FCU

After your loan is processed, you will receive an email from yourautoloan@pacentralfcu.com containing member/account number and loan suffix number for making payments. Keep an eye on your Inbox. Please call us if you don’t receive this email or if you have misplaced your information.

We have provided a few different methods to make payments on your loan:

ELECTRONIC/AUTOMATIC PAYMENTS If you’d like to have your loan payment debited from an account at another financial institution, please complete our ACH Form. This will guarantee your payments will be electronically debited on time each month. Please refer to your loan contract provided to you by your auto dealer for your payment amount and due date.

E-ZPAY ONLINE PAYMENT PORTAL* PA Central FCU offers E-ZPay so you can make a payment or pay online whenever it’s more convenient than putting a check in the mail. There’s no sign up required. Processing fee of $5.95 will apply.

To use E-ZPay Online Payment Portal, you will need the following information: your PA Central FCU member number/account number, loan suffix, payment amount and payment date, your bank routing/transit number if paying by e-check or your debit card information. Please fill in “car/auto loan” in the loan description field.
* Payments made through E-ZPay before 3:00 p.m. Monday-Friday will be credited the same business day.

MAIL-IN PAYMENTS PA Central only provides pre-printed payment coupons upon request. If you prefer to pay your loan by check, please include your loan number and loan suffix in the memo area of your check or download and include a completed Loan Payment Coupon with your check.


You can view your PA Central FCU loan accounts by enrolling in Virtual Branch.

Follow the steps below to enroll:

  1. Choose the Banking Login above, or visit the Banking Login button on our home page to get started. Once on our Virtual Branch page, choose First Time User, click enroll. Your log on ID is the first 5 digits of your account number. PIN is the last 4 digits of your social security number.
  2. Read and Accept Terms and conditions (click link), checkmark box and then click continue.
  3. Next, follow the instructions to complete a new Log On ID and Security Code (password) to enroll.
  4. You will then need to choose 3 security questions and provide answers.

If you have any questions, please call 1-800-356-3875 and one of our Member Service Representatives will be happy to assist you.

IMPORTANT Insurance Information: Please have your insurance company mail or fax us a copy of your insurance policy with PA Central FCU listed as the lienholder, to our East Park Drive office. (ID Cards ARE NOT accepted.) Insurance deductibles may not exceed $1000.00 each.

We appreciate your business, and we encourage you to explore our website or download our mobile app, and learn more about all the FREE services we offer that make your banking more convenient!

E-ZPay Payment Portal

To use E-ZPay** you will need your PA Central FCU member number/account number, payment amount & payment date, and your information to pay by e-check or debit card. You’ll need to include “car/auto loan” in the loan description field.

ACH Payments

What is ACH?
An automated clearing house payment or ACH payment, for short, is a form of electronic funds transfer sent from one bank account to another. Set this up once. Never worry about late payments. You can locate the ACH form on our website on the FORMS page.

Virtual Branch Online Banking

Create a Virtual Branch Online account so that you can access your loan information. If you have a checking account with us, you can schedule a payment from your checking account to make payment on your loan.

**Payments made through E-ZPAY before 3:00 p.m. Monday-Friday will be credited the same business day.