Auto Loans


Take advantage of the 1% Cash Back Auto Loan from Freedom Credit Union and drive away with money in your pocket. Whether you are in the market for a new car, used car or refinancing this is the deal for you!

It’s so simple - get a loan, get cash back. The money is deposited directly into your Freedom account.*

Apply online or contact one of our dedicated loan specialists at 215-612-5900 option 4.

It's time to get yourself a new set of wheels (even if those wheels have been slightly used). We offer pre-approvals for better bargaining power and refinancing for lower rates on existing loans. Both can save you money.

Our in-house service ensures fast approvals and quick turnarounds. Don't get stuck at the car lot without your local credit union backing you up.


View our current rates.

*Promotion rebate will be equivalent to 1% of original loan amount. Loan term cannot be less than 3 or greater than 75 months. The rebate will be paid after 30 days. If the account is in good standing and the criteria is met a single payment of 1% of the total loan will be deposited into the Savings account of the Primary Member on the loan by the 5th of the following month. This is a Limited Time Offer that can be rescinded at any time, cannot be combined with any other offer, and is subject to change without notice. APR = Annual Percentage Rate for terms up to 75 months, rate may vary for longer terms. Loan amount must be $5,000 or greater. You must meet employment and/or income requirements to qualify for a loan. The interest rate you receive will be based on your credit history. APR will not be less than 2.49% or greater than 11.99%. For example loan amount of $15,000 at 2.99% APR for 60 months would be a payment of $269.46. Satisfactory vehicle insurance required. Terms and rates are subject to change based on market conditions and consumer eligibility. Your actual loan amount will be limited based on the value of the specific vehicle that you are financing. Only passenger vehicles are eligible, no recreational vehicles. Indirect, Rate Genius or existing Freedom loans are not eligible. Credit Union membership eligibility requirements apply.

Buying Advisor

Become an informed buyer with a Freedom Vehicle Buying Advisor! Speaking with our industry expert is FREE and it can save you time and money. In addition, we may be able to help you locate your next vehicle. Contact a Vehicle Buying Advisor via email, or by calling 215-612-6132 — and be on your way to finding the best deal. And ask about how easy it is to apply and get pre-approved for a Freedom Auto Loan.

Expert Advice & Exclusive Offers

Free consultation with a Vehicle Buying Advisor about:

  • Exclusive sales and vehicle discounts
  • Discounts from area dealerships
  • Expert vehicle and pricing advice
  • Finding your vehicle
  • Getting our help in your negotiation

Pre-Approval/Auto Draft

Make Auto Shopping Easier

Our great rates aren't the only thing you'll like about financing your next vehicle with Freedom Credit Union. Our loan process is quick, easy, and convenient.

  • Apply Now - Get a quick approval with no application fee. Once approved, you'll know your maximum loan amount and your interest rate.
  • Once Approved - We'll send you an Auto Draft by mail, or if you need it right away, you can pick it up at any Freedom branch.
  • Head to the Dealer - With your Auto Draft in hand , you can shop for the perfect vehicle and know that you can negotiate like a cash buyer
  • Take your Time - Your loan isn't processed until you sign the check. We will give you up to 60 days to purchase a vehicle.
  • Sign the check - Fill in the amount, the vehicle's information and make your check payable to a licensed dealer.
  • And that's it! There are no additional documents to sign with Freedom.


Many Members Save Thousands with Lower Vehicle Loan Payments

Even if you got a great deal on your car or truck, refinancing into our low, fixed rates may really lower your payments. It could also save you thousands of dollars over the life of your loan or lease. And, we make it easy to refinance a vehicle loan that you have with another lender.

Current FCU loans not eligible for refinancing.



Learn More

Contact a Vehicle Buying Advisor, free of charge, via email, or by calling 215-612-6132 to find the car you want at the best price.

  • To find new or used vehicle values, visit NADA
  • Use calculators to help with budgeting
  • Take advantage of discounts on TruStage auto insurance
  • Mechanical Breakdown Protection - Automobile protection extending beyond your original manufacturer's warranty, covering repairs of unexpected mechanical breakdowns.