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Young child blowing bubbles out of a car window. Benchmark FCU auto loans Chester County webpage.

Consumer Loans

Auto Loans Near You

Make No Payments for 60 Days*

Plus, score a $50 Cash Bonus**!

Considering purchasing a new car or truck or refinancing your existing vehicle? You’ve come to the right place. Our budget-friendly auto loan rates and flexible terms can help provide a payment that fits your needs. Plus, for a limited time, you can drive away happier with no payment due for 60 days* and a $50 cash bonus.** Apply online today.

Key Features:

*Drive Away Happier 60 Day Deferred Payment Auto Loan Promotion is subject to termination at Credit Union’s discretion & without prior written notice. Only available on New & Used Auto Loans; excludes DrivingSense, Indirect, & Title Secured Auto Loans.

**$50 cash bonus coupon valid when financing a New or Used Auto Loan & bonus funds will be deposited into Benchmark Savings within 30 days from loan closing.

Key Features:

*Drive Away Happier 60 Day Deferred Payment Auto Loan Promotion is subject to termination at Credit Union’s discretion & without prior written notice. Only available on New & Used Auto Loans; excludes DrivingSense, Indirect, & Title Secured Auto Loans.

**$50 cash bonus coupon valid when financing a New or Used Auto Loan & bonus funds will be deposited into Benchmark Savings within 30 days from loan closing.

Financing Options

Fixed Rate Auto Loans

  • Up to 125% financing for qualified borrowers
  • Terms up to 84 months on new vehicles for loan amounts $25,000 and over*
  • Terms up to 72 months for new vehicles for loan amounts $15,000 and over*
  • Terms up to 60 months for all other new* vehicles
  • Minimum loan amount on used vehicles is $5,000
  • Terms up to 72 months on used vehicles up to 4 years old for loan amounts $18,000 and over
  • Terms up to 60 months on all other used vehicles
  • 0.25% discount for automatic payments from a Benchmark Account

*A new vehicle is considered to be never titled or recently titled within the past six months and being financed to pay off another lender.

Variable Rate Auto Loans

  • Up to 125% financing for qualified borrowers
  • Finance a new or used vehicles*
  • The rate is variable, which means it will rise or fall along with the Prime Rate. However, it cannot be adjusted more than 2% from the original rate.
  • The monthly payments will remain fixed for the life of the loan. Therefore, the term may be extended or shortened depending on the rise or fall of the interest rate.
  • Terms and minimum amounts are the same as fixed rate auto loans

*A new vehicle is considered to be never titled or recently titled within the past six months and being financed to pay off another lender.

Title Loans

  • Up to 125% financing for qualified borrowers
  • Minimum loan amount is $2,500
  • Use your “clear” title as collateral for a loan and take advantage of our low rate
  • Funds can be used for whatever your needs are
  • Terms up to 72 months on loan amounts $18,000 and over on vehicles up to 4 years old
  • Terms up to 60 months on all other vehicles

*A new vehicle is considered to be never titled or recently titled within the past six months and being financed to pay off another lender.

Motorhomes

  • Up to 125% financing for qualified borrowers
  • Minimum loan amount $2,500
  • Finance both new and used Motor Homes & Travel Trailers
  • Terms up to 120 months for amounts financed over $30,000
  • Terms up to 84 months for amounts financed $21,001 to $30,000
  • Terms up to 72 months for amounts financed $20,000 and less
  • Maximum $1,000 deductible on Comprehensive and Collision Insurance
  • Full year insurance coverage required

*A new vehicle is considered to be never titled or recently titled within the past six months and being financed to pay off another lender.

Refinancing Options

Auto loan refinancing can potentially help lower your monthly payments, pay off your Auto Loan faster, or both!

  • Competitive fixed and variable rates
  • Terms customized to your unique situation
  • Refinance your current auto loan (vehicle must be originally financed through another institution)
  • Set up payroll deduction or automatic payment from a Benchmark account to receive a 0.25% rate discount
  • Local decision-making and processing
  • Attentive, friendly service from start to finish

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