The Advantages:
- Currently rates as low as 4.99% with direct deposit, checking, and qualifying credit*
- Moneyworks members (those age 16-22) receive 1/2% reduced rate**
- No down payment required. You can finance the entire purchase, including tax and title.
- No loan fees and no pre-payment penalty for paying off the loan early
- Switch your high-interest loan with another lender to your credit union and save.
- GAP insurance is available at 1/3 of the cost charged at auto dealerships. (If your car is totaled, GAP insurance pays what you still owe on your car).
- Payroll deduction makes it easy
- Take up to six years to pay back.
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For Easy Car Shopping… Get Pre-Approved…
When you have an amount in mind, get pre-approved for your loan, and then go shopping.
When you find just the right car, your money will be waiting for you.
Beware of 0% Finance Offers
It has been proven many times that you could save more money by choosing a dealer rebate and your credit unions low loan rate instead of a 0% financing offer. So before making this decision, let your credit union loan officer analyze the numbers for you.
Price Consultation
Let your credit union professionals assist you in determining the price range and payments that best fit your budget.
Call us anytime for a book value on a purchase or your trade-in.
How to Get Your Loan
Our easy, one-page loan application is available to you in several ways.
Loan Online: Download (PDF) and print the form. After completing it, fax or mail it to us (you can use PHS interoffice mail).
Coming Soon: Secure transmission of your loan application.
Loan By Fax: We are always happy to fax you a loan application and you can fax it back to us at 419-471-1837.
*Immediate family members of Premier Advantage members receive the same loan benefits if co-signed by the premier member.
**Moneyworks member is required to have qualifying credit or parent co-signer.
*All rates and terms are subject to change.
