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Auto Loans

Enjoy the ride. We make it simple to finance or refinance your vehicle.

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Get a New Car or Refinance for a Low Monthly Payment
Plus enjoy the first 90 days with no payments²

Rates as low as 5.39% APR¹

Discovery FCU offers competitive rates, affordable options and added conveniences few financial institutions can match. The entire auto loan process from beginning to end can be accomplished digitally. You never need to leave the safety and comfort of your home to apply for and receive a Discovery FCU auto loan. But, we’re always happy to see you if you prefer to visit us in person.

Term Rates As Low As¹ Monthly Payment Year of vehicle
36 mos. 5.39% APR $30.15/ Per $1,000 2015+
48 mos. 5.39% APR $23.21/ Per $1,000 2015+
60 mos. 5.39% APR $19.05/ Per $1,000 2015+
72 mos. 6.09% APR $16.62/ Per $1,000 2015+
84 mos. 6.34% APR $14.77/ Per $1,000 2015+

Additional rates are available for cars older than 2015.

Other benefits include:

  • Same-day financing available
  • Terms up to 84 months
  • Same rates & terms for new and used auto loans model year 2015 and newer (other rates apply for older models)
  • Make no payments for 90 days²
  • Electronic signatures accepted for loan closing

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Calculate Your Monthly Loan Payments

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Guaranteed Lowest Auto Loan Rates!***

Ask us about our rate match program!

Calculate Your Monthly Payments

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Love Your Car, But Not the Payment?

Refinance an auto loan you have with another financial institution with Discovery FCU

  • Lower your monthly payments
  • Reduce your interest rate
  • Save thousands over the life of the loan
  • Make No Payments for 90 Days

Get Started Now.

Call us at 610.372.8010

What do I need to apply?
  • Two recent pay stubs
  • Your current insurance card (you will need to add Discovery FCU as ‘loss payee’).
  • Sales agreement or 10-day payoff. If you are buying a vehicle privately, from another individual, we can help assist you with a private sales agreement, if needed. We can also assist you with obtaining your 10-day payoff if needed.

 

What is the turnaround time?

If all required documents are submitted quickly, our typical turnaround time is one to two business days. We can also accommodate same-day financing needs.

 

Do I have to visit the credit union to apply and/or get the loan?

No. You can apply online, e-mail the necessary information and documents to your loan officer, and you can sign your loan documents electronically.

Member Perks for Your New Ride

We’ve got you covered. We’re here for you before, during and after your purchase.

Discovery FCU Guaranteed Asset Protection

Make sure you’re 100% covered with GAP insurance. Protect yourself if your car is stolen or damaged beyond repair. With GAP (Guaranteed Asset Protection) you’re covered for the “gap” between your vehicle’s value and the amount you owe on your loan if your vehicle is totaled or stolen and never recovered. Discovery FCU offers GAP Insurance for only $225. (GAP does not cover any ancillary products.)

A DiscoveryFCU extra: Extended Vehicle Warranty

Most major car repairs occur after the factory warranty period ends, which puts you on the hook for expensive repairs. Discovery teams up with Intercontinental Warranty Services (IWS) to provide you with affordable protection for your new or eligible pre-owned vehicle. You may save up to 50 percent off dealer pricing!

A Discovery-IWS Extended Vehicle Warranty includes:

  • Low or No deductible
  • Nationwide protection for new and eligible pre-owned cars 12 years old and newer and up to 125,000 miles on the odometer
  • Towing up to $100 (max per claim)
  • Roadside assistance up to $80 per incident – flat tire, fluid delivery, jump start, lock-out
  • Money when your vehicle is in the shop
    • Car rental up to $500 ($50/day up to 10 days)
    • Trip interruption expenses up to $300 ($100 a day up to 3 days)
    • Travel expenses up to $225
  • Warranty is transferable
  • Extended warranty increases vehicle resale value
  • Option for KeyGuard key/transponder replacement
  • Option for Accidental Loss Refund to protect against total loss due to collision or act of nature
  • Option for a Powersports warranty for motorcycles, All-Terrain Vehicles, personal watercraft and snowmobiles
  • Option to cancel within 60 days with 100 percent refund.

You may be eligible for Extended Vehicle Warranty coverage even if you don’t currently have a Discovery auto loan.

Contact a Discovery loan rep for more info: (610) 372-8010 or (800) 563-9383

Auto Insurance

Your security is very important to us. We’re pleased to offer you exclusive coverage for your new ride through TruStage Auto & Home Insurance at a discounted rate. Get More Information

Calculate how much you could save if you refinance your current auto loan.

1) APR = Annual Percentage Rate.  Your rate may be higher than the lowest advertised APR. APRs are based on your credit worthiness, term of loan, amount of loan, direct deposit to a Discovery FCU account and electronic payments from your Discovery FCU account. A sample auto loan payment based on $10,000 at 5.39% APR and 36-month term is $301.46. Title secured loan processing fee of $25.00 can be paid up front or added to the loan balance. Monthly payment examples are representative of the maximum term for the corresponding rate per $1,000 borrowed. Rates, terms, and information are subject to change at any time.

2) Interest will continue to accrue during the 90-day payment deferral.

***Rate Match Program: Certain restrictions apply. 0% financing is not eligible for this offer.

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