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If approved, you will receive your Auto Draft by mail. *Rates reflect a .25% APR reduction for Automatic Payment Service and loan amounts up to 100% of the retail value of the vehicle.Be sure to fill out all the information on the draft - including the term of payment (number of months) and method of payment (direct deposit, automatic transfer, etc.). Your rate will increase if you discontinue Automatic Payment Service.There are many different ways we can save you money by consolidating your loans with one easy to make payment you can handle.Collateralize your loan with your car or use your mortgage for home equity to lower your payments today! Enjoy a low fixed-rate with no annual fees Transfer your money instantly from your checking to your credit card to pay your bill with no delays! If your credit card isn't a Central Sunbelt Visa Platinum, then you're probably paying too much. See the Consumer Note, Disclosure and Security Agreement at psecu.com/disclosures or call 800.237.7328.Kelley Blue Book Join PSECU to apply for a Vehicle Loan To apply for one of our loans, mortgages or credit cards, you'll need to join PSECU first.For used vehicles, financing is available for the Kelley Blue Book or other authorized guides, retail value of any car or truck worth at least ,000.A used vehicle must have a title or be a previous year model purchased after March 31.

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This practice allows you to benefit from lenders competing for your business. Each time your credit report is reviewed by a different lender, an inquiry will appear showing who accessed the report and for what purpose.

We can also provide financing for more than the retail price, or Kelley Blue Book or other authorized guides vehicle value, of a new or used vehicle, though a higher interest rate applies.

For loans financing a vehicle for more than 100% and up to 120% of the vehicle's retail value, an additional 2% is added on to the APR.

The Manufacturer's Suggested Retail Price determines new vehicle values; Kelley Blue Book or other authorized guides determine used vehicle values. PSECU makes all final decisions regarding vehicle value and proper rate.

Loan rates are effective as of 4/29/14 and subject to change.