Vehicle Loans

The car you need at the price you want.

Benefits

  • 1% Cash Back up to $1,000 + 90 Days No Payments on Auto Refinances!*
  • Get pre-approved before going to the dealer
  • Access to Pathways Car Buying Service, Powered by TrueCar©
  • Fast and local decisions
  • Competitive interest rates
  • Flexible financing terms
  • Finance directly at select Central Ohio dealerships
  • Low-cost credit life, extended warranty, credit disability, and GAP insurance
  • Technology tools to check your balance
  • Pay through payroll deduction, direct deposit, or online/mobile banking
View Rates

Vehicle Loans Rates

Account Type
Terms / Information
APR
New Auto
Quoted rate is for 60-75 month term. Up to 85 mo available.
3.64%
Used Auto
Available for terms between 67 and 75 months.
3.89%

All rates are expressed in terms of Annual Percentage Rate. Your interest rate and repayment terms will be based on your individual credit history and may be different from rates quoted above. To obtain additional information, contact our Member Services department at 614-416-7588. Pathways Financial Credit Union is an Equal Housing Lender.

See Rates page for full rate disclosure details.

Account Descriptions

Account Type
Additional Information
New & Used Vehicle Loan

autoloan

If you’re in the market for an auto loan, make Pathways your first stop. Our auto loans are one of our most popular products because our members love getting a great deal.

Benefits of a Pathways loan:

  • Fast and local decision-making
  • Financing terms up to 85-months
  • Low-cost credit life, credit disability, and GAP insurance
  • 100% financing available
  • No pre-payment penalties
  • Technology tools that make checking your vehicle loan balance both simple and convenient
  • Options available to pay your vehicle loan through payroll deduction, direct deposit, or transfer from your Pathways account or other account via ACH.
  • Your loan stays local. Pathways will never sell the servicing of any loan to another financial institution.
  • Exclusive member benefitauto insurance savings through TruStage Insurance*

When “Just Looking…” turns into “Let’s Buy!”
When you’re ready…we’re ready. Even if we’re not open, you can finance at the dealership. Just follow these simple steps:

  • Pick out your perfect vehicle
  • Tell the salesperson you want to finance through Pathways
  • Quickly complete the loan process right at the dealership!
Vehicle Loan Refinance

refinance

You might be saying, “But I already have a great vehicle…”

We’re glad you do! But does it have the best interest rate? Refinance your auto loan at another institution with Pathways to get all the benefits and a lower monthly payment! We offer fast and convenient ways to apply online, in person, or over the phone in less than 15 minutes. You could save hundreds doing it!

Plus, for a limited time, get 1% cash back up to $1,000 when you transfer an auto loan to Pathways from another financial institution!*

*Loan subject to credit approval. Existing loans not eligible. For cash back offer: minimum loan amount $3,000; maximum cash back $1,000.

Pathways Car Buying Service with TrueCar

truecar

Save Time and Money

Take the stress out of buying a car. If you’re in the market for a new or used vehicle, start your search with the new Pathways Car Buying Service, powered by TrueCar. It makes car buying easier and friendlier, giving you a no-hassle buying experience that guarantees you savings on your vehicle purchase price so you never overpay.

Featured Product Reviews

Average Rating: 5.0 stars

  • Linda B.

    Verified Member

    Vehicle Loans

    "Best rates and service!"

  • Margaret M.

    Verified Member

    Vehicle Loans

    "I love the fact that the payment comes from my payroll deposits. Never late! No worries!"

  • Andres R.

    Verified Member

    Vehicle Loans

    "I refinanced my car loan with Members First Credit Union and my interest rate dropped 1.25% from a rate I felt proud bragging about a year and a half ago when I bought the car. I can't say enough about Members First Credit Union, they are a small bank with the type of excellent service that beats any of the large banks. Thanks!"

  • Chris H.

    Verified Member

    Vehicle Loans

    "Some of the best loan rates I have seen in town especially on auto loans. They give me many options to access my money. I have been a member for 25+ years. "

  • John J.

    Verified Member

    Vehicle Loans

    "Pathways couldn't have made our new vehicle loan experience any quicker or easier and with an exceptional rate. Our loan representative was amazing!"

  • Trisha C.

    Verified Member

    Vehicle Loans

    "Been a member of this credit union since it was on Dublin Rd, and called the Big Bear credit union! My household has six memberships, my two oldest just opened checking accounts. I feel connected even though my banking is done online, love the bill pay and paying on my car loan is so easy. I know if I have any questions I can just pick up the phone and friendly staff is there to help."