Buy Your Dream Car or Save Money by Refinancing your Vehicle Loan with 1st Ed!
Need a new car? Or looking for a way to save money every month on your vehicle loan?
- Save with competitive rates
- No down payment required
- Get pre-approved for the loan for bargaining power
- Apply online, in person, by phone, or fax
- Make convenient payments online
- Have loan security with GAP Plus & 1st Ed Credit Union’s Protection Plus
Click below 24 hours a day to start your application. You can also call 717-264-6506 (option 6) for a representative to take your application by phone.
Apply NowIt Pays To Compare
A loan from 1st Ed almost always cost less than the competitors’. You’ll save with reasonable rates and terms. When reviewing your loan options, consider the money-saving features we offer at 1st Ed:
- No prepayment penalties
- No application fees
- Simple interest – you only pay interest for the time you borrow the money
New or Used Autos / Cars / Trucks / Motorcycles
| Info and/or Terms | APR |
|---|---|
| Up to 36 months (as low as) | 5.79%* |
| 37 - 60 months (as low as) | 5.99%* |
| 61 - 72 months (as low as) | 6.35%* |
*APR=Annual Percentage Rate. APR and loan approval based on creditworthiness, loan term, loan to value, and age of collateral. Refinancing of 1st Ed loans do not qualify. Rates subject to change without prior notice.
Loan Tips
Items needed when applying for:
A new Automobile, Motorcycle or Recreational Vehicle Loan:
- Purchase and Sales Agreement
- Current Pay Stub
A used Automobile, Motorcycle or Recreational Vehicle Loan:
- Copy of certificate of title with vehicle identification number and proof that the vehicle is not a salvage/reconstructed vehicle
If your loan is approved prior to funds being disbursed, an insurance binder with the appropriate coverage showing 1st Ed Credit Union as lien holder will be required.