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
Rates Apply
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!
Rates Apply
* 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.
Rates Apply
* 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.
Rates Apply
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.
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.
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