New Vehicle

Includes cars, trucks, vans, SUVs and motorcycles

Also includes motorhome loans

Requires clean title and mileage less than 10K

Term dependent on age and NADA value

Rate terms: up to 84 months

Full coverage insurance is required

Used Vehicle - Up to six model years old

Includes cars, trucks, vans, SUVs and motorcycle loans

Also includes motor home loans (terms up to 72 months)

Term dependent on age and NADA value

Rate terms: up to 72 months

Full coverage insurance is required

Used Vehicle - More than seven model years old

Includes cars, trucks, vans, SUVs and motorcycle loans

Also includes motor home loans (terms up to 60 months)

Term dependent on age and NADA value

Rate terms: up to 60 months

Full coverage insurance is required

New and Used Recreation Vehicle

Requires clean title and mileage less than 10K (new only)

Includes motor home loans (terms over 72 months)

Includes ATV, pull along trailers, campers, and boat loans over $10K

Term dependent on age and NADA value

Rate terms: up to 120 months

Vehicle GAP Insurance now available!

GAP insurance is an insurance policy that insures Penn State Federal members for the amount still due to payoff their loan if the insurance company declares the car a total loss and pays less than the payoff of the loan due to Penn State Federal.

Learn More About GAP Insurance

Additional Resources

Interest Rates

Penn State Federal Loan Application (PDF, opens new window)

What to Bring When Applying for a Loan