The Advantages:
- Fast pre-approval
- 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.
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.
Online Application: You can complete your application online and send it directly to a loan officer over a secure line.
Fax or Mail: You can pick up a loan application at any branch or call us and we will mail one to you. You may use interoffice mail or fax: 419-471-1837.
FIVE EASY WAYS TO MAKE YOUR LOAN PAYMENT
ALL ARE FREE
- Payroll Deduction – if you work for PHS
- From you direct deposit - if you work for someone other than PHS
- Automatic transfers from your account
- Online banking
- Collect Pay allows you to make a payment from another bank
Click here for the link to set up your Collect Pay.
- Guaranteed Asset Protection (GAP)
If your new or used car is totaled in an accident or stolen, your insurance may not cover what you still owe on it. GAP will cover this difference so you won't keep paying for a car you no longer have.
- Loan Protection - Disability & Life
Who would make your loan payments if you couldn't work due to a disability? Do you know the limitations of your current disability plan? With loan disability protection you have the peace of mind of knowing that your loan payments will be made when a sickness or accident strikes. Your good credit rating is maintained and the benefits are tax-free. In the event of death, all of your loan would be paid.
Route 66 Extended Warranty
No matter where you travel in the U.S., you are covered for major mechanical expenses and there is no deductible on covered parts and labor. Included in the extended warranty plan is car rental allowance and 24/7 Emergency Roadside Service (e.g. towing, flat tire assitance, fuel and fluid delivery, jump-starting, lock-out service, minor adjustments, and more.)
