Provident Auto Loan Center

Our auto loans include the same low fixed rates on new and used vehicles. 100% financing is available, with a range of terms to meet your needs. Let Provident Credit Union finance your next car, truck, van, motorcycle, boat, or recreational vehicle.

All Provident loans subject to credit approval.

Click on individual loan names below for a full description, or click further down to learn more about our other auto-related services:

Enjoy low fixed rates on both new and used vehicles, with up to 100% financing,1 and terms from 12 to 84 months. Also available is a "no payments for 90 days" option.2

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1 100% financing available on used cars up to retail Kelley Blue Book value. 2 Payments begin 90 days after loan funding; interest accrues from day of funding.

The Tax Advantage Auto Loan (TAAL) has the same rates as our regular Provident Credit Union auto loans, with possible tax deductibility (check with your tax advisor). Provident places a courtesy lien on your home, but no equity or appraisal is required.* Enjoy same day funding!

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* You must currently own and occupy a home in California. Provident Credit Union will place a lien on your home. $100 recording fee required. We recommend consulting with your tax advisor to determine whether the interest you pay is tax deductible. Provident cannot guarantee the tax deductible status of this loan.

For current auto loans. You may be able to lower your monthly payments!* Even a single percent less on your APR could potentially save you hundreds of dollars over the remaining life of your loan.

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* Refinance loans up to 100% Kelley Blue Book. Lowered monthly payments may require extension of current term.

Are you a college student in the market for a new car? We offer an auto loan program designed exclusively for you! This first-time auto program helps you to realize your dreams of vehicle ownership -- with little or no credit history, and no co-signer required. If you're at least 18 years of age, have little or no credit history (i.e. no FICO score), are employed, and are a student, then you're eligible to apply for our new College Auto Loan Program. There are no application or processing fees. This is an excellent way to establish and build credit when you are just starting out.

Rates   Apply (College Auto Loan)   Apply (College Package)   Provident College Student Programs

You may now finance your new or used RV (motor home or travel trailer) for up to 10 years, for loan amounts of $20,000 or more, or up to 15 years, for loan amounts of $50,000 or more. For lower loan amounts, finance up to 60 months. Boats can be financed for up to 10 years on loan amounts of $20,000 or more. There are no minimum loan amounts for RV or boat loans of 5 years or less. Financing up to 100% available.

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Provident Plus Auto Insurance
Provident Plus Insurance Agency is owned entirely by Provident Credit Union and offers insurance for your home, auto, and commercial property. Provident Plus shops several major insurance carriers in order to find the best rate for your situation. Because we do the shopping for you, you can feel assured that you are getting the ideal insurance coverage at an affordable price. For more details and a free quote on your auto insurance needs,click here.

Mechanical Breakdown Insurance (MBI)
Provident's bumper to bumper Mechanical Breakdown Insurance protects your vehicle over and above manufacturer's warranty, and typically costs less than most extended warranties offered through dealers. Click here for more information, or check the appropriate box when you apply for a Provident Credit Union auto loan.

Guaranteed Auto Protection (GAP)
Don't get caught holding the bag! With GAP, if your car gets stolen or totaled in an accident you won't have to continue paying off your loan if your insurance doesn't cover the entire amount. Click here for details, or check the appropriate box when you apply for your Provident Credit Union auto loan.

Take the hassle out of buying a car. Provident Credit Union has partnered with AutoLand to bring you a superior Online Auto Shopping site. Compute the price of your next new or used car in real time. Then they find it for you, from a vast selection of virtually every production vehicle available in the United States. Get a great price, and even have your car delivered! (Delivery not available in all areas.) For over thirty years, AutoLand has helped over 200,000 people like you to buy cars. Why not let AutoLand help you shop for your next car?

Our Online Auto Shopping site includes many useful tools to aid in shopping for and buying a new or pre-owned auto, and selling or trading in your old car. You may also call (800) 234-6999 to speak with an expert auto buying consultant.

Apply Now!
To apply online for an auto loan, click on the Apply tab above. To receive a loan application by mail, call (650) 508-0300 or (800) 632-4600 or e-mail our Lending Department.

 

NCUA InsuredEqual Housing Lender
 
Rates As Low As...
5.5% APR