Credit union · NCUA insured
People First Federal Credit Union Auto Loan Rates
Top CarrotPeople First Federal Credit Union auto loans start at 5.74% APR for a new vehicle and 5.74% for a used one. Rates checked October 16, 2026.
How People First Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Allentown, PA-NJ, where People First Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
People First Federal Credit Union
5.74%APR
- Terms
- up to 66 months
New & Used Auto Loan
Lowest rate
APCI Federal Credit Union
4.24%APR
- Terms
- up to 60 months
2nd-lowest rate
Sarco Federal Credit Union
4.50%APR
- Terms
- up to 60 months
People First Federal Credit Union auto loan score
69
Auto loan score
Higher than 25% of U.S. banks and credit unions
- New vehicleNew5.74%
- Used vehicleUsed5.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where People First Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New & Used Auto Loan
100% financing to qualified borrowers. Rates based on credit evaluation; actual rates may vary.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 5.74% | Model years 2023 - 2026. |
| 67–75 months | 6.14% | Model years 2023 - 2026. Minimum $15,000 amount financed for a 72-Month Term. |
| 76–84 months | 6.64% | Model years 2023 - 2026. Minimum $20,000 amount financed for an 84-Month Term. |
| up to 66 months | 6.00% | Model years 2020 - 2022. |
| 67–75 months | 6.24% | Model years 2020 - 2022. Minimum $15,000 amount financed for a 72-Month Term. |
| 76–84 months | 6.74% | Model years 2020 - 2022. Minimum $20,000 amount financed for an 84-Month Term. |
| up to 66 months | 6.44% | Model years 2017 - 2019. |
| 67–75 months | 6.84% | Model years 2017 - 2019. Minimum $15,000 amount financed for a 72-Month Term. |
| 76–84 months | 7.24% | Model years 2017 - 2019. Minimum $20,000 amount financed for an 84-Month Term. |
| up to 66 months | 8.00% | Model years 2016 & older. |
| 67–75 months | 10.74% | Model years 2016 & older. Minimum $15,000 amount financed for a 72-Month Term. |
Sources (2)
All captured Oct 6, 2026
New & Used Motorcycle
Rates based upon evaluation of applicant credit. Actual rates may vary.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.74% | — |
| 37–48 months | 6.99% | — |
| 49–60 months | 7.24% | — |
| 61–72 months | 8.49% | — |
| up to 36 months | 7.74% | — |
| 37–48 months | 7.99% | — |
| 49–60 months | 8.24% | — |
Sources (1)
- peoplefirst.com/rates · captured Oct 6, 2026
Swap & Drop
Auto loan refinance program to refinance an existing auto loan with another lender. Not available on existing People First auto loans. Vehicle must be 2016 and newer. Must transfer from another financial institution with a balance of at least $8,000 to be eligible for up to 2% reduction off current rate. Membership savings account with minimum $5.00 deposit required.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.24% | Floor rate of 5.24% APR valid for up to 36 months; longer terms available at higher rates. Vehicle must be 2016 and newer. Must transfer from another financial institution with a balance of at least $8,000 to be eligible for up to 2% reduction off current rate. |
Sources (1)
- peoplefirst.com/borrow/vehicle…ans/auto-loans/swap-drop · captured Oct 6, 2026
Who can join People First Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.