Auto Loans


Conventional Financing

In our fast-paced world, reliable transportation is vital. With PHEPLE FCU’s low rates we can get you where you need to be – and fast! We offer financing up to 100% on new and used vehicles, including cars, SUVs, vans and trucks.

  • Financing up to 100%

  • New and used vehicles

  • Up To 84-month terms

  • Refinancing available


PHEPLE Auto Payment Saver

The PHEPLE Auto Payment Saver offers low monthly payments similar to a lease, with the best parts of conventional financing - Having the vehicle titled in your name, as well as these other great benefits:

  • Financing up to 100%

  • No downpayment required - No upfront fees

  • New and used vehicles (Up to 5 years old)

  • Up to 72-month terms

  • Option to sell/trade/refinance/payoff at anytime


Get Pre-Approved

Get pre-approved before you shop so you can take advantage of our low-interest financing. Plus, we also offer PHEPLE FCU Financing at participating dealers.

Don't Forget to Ask Us About

Not Sure Where To Start? PHEPLE FCU’s Member Auto Center Can Help!

PHEPLE FCU wants to help you make the right vehicle decisions. To find estimated values of new and used vehicles use our NADA Autoguide. NADA has been recognized as the standard for pricing new or used cars, trucks, vans, SUVs and more!

Submit Your Proof of Insurance in a quick, easy and secure manner.
PHEPLE FCU’s Lender ID Number is 2313.


Loan Type Term APR*
New Auto 24 Months 2.50%
New Auto - PHEPLE Auto Payment Saver 24 Months 3.50%
New Auto 60 Months 3.25%
New Auto - PHEPLE Auto Payment Saver 60 Months 4.25%
Used Auto 24 Months 3.50%
Used Auto - PHEPLE Auto Payment Saver 24 Months 4.50%
Used Auto 60 Months 4.25%
Used Auto - PHEPLE Auto Payment Saver 60 Months 5.25%