Vehicle Loans

Your perfect vehicle is waiting for you.
It’s more than horsepower that gets us moving. At Premier America, we’re driven to give you a great deal on financing, so you can save on the perfect car for you and your life. Getting us to work, bringing home groceries, a scenic drive on a twisty road — no matter what kind of vehicle you need, we make it fast and easy to get behind the wheel.

90 Days Before Your First Payment is Due1

No matter what kind of vehicle you need, we make it fast and easy to get behind the wheel. Plus, get no payments for 90 days!

New Vehicle Loans Purchase

  • Rates as low as 7.60%2
  • Terms from 36 to 84 months
  • Financing up to 120% of MSRP

Used Vehicle Loans Purchase (Model Year 2018 or newer) Up to 120% of Retail Kelley Blue Book)

  • Rates as low as 7.85%2
  • Terms from 36 to 84 months

Older Used Vehicle Loans Purchase (Model Year 2017 & older) Up to 101% Retail Kelley Blue Book)

  • Rates as low as 8.85%2
  • Terms from 36 to 72 months

New Motorcycles 100% of MSRP (excludes dirt bikes)

  • Rates as low as 10.85% APR2
  • Terms from 36 to 66 months

Used Motorcycles (Model Year 2018 or newer) Up to 100% Retail Kelley Blue Book (excludes dirt bikes)

  • Rates as low as 11.85% APR2
  • Terms from 36 to 66 months

New Recreational Vehicle (RV) Up to 90% of MSRP

  • Rates as low as 7.74%
  • Terms from 75 to 240 months

Used Recreational Vehicle (RV) (10 years or newer) Up to 90% Retail Kelley Blue Book

  • Rates as low as 7.74% APR
  • Terms from 75 to 240 months

For more details on financing and rates, contact us.

1. Not valid with existing or refinanced Premier America vehicle loans. Program available to Premier America Credit Union members and qualification is subject to approval. All loans and accounts are subject to approval and underwriting guidelines will apply. Interest begins accruing upon disbursal of the loan and continues throughout the 90-day payment deferral period. Program may change or end without notice.

2. APR = Annual Percentage Rate. Rates reflect the maximum .50% discount. For all loans, except Used Auto Loans, discounts available are: .25% discount with vehicle insurance from Premier America and .25% discount for direct deposit with automatic payment. For Used Auto Loans, rates reflect the maximum .50% discount with available discounts: .25% discount with vehicle insurance from Premier America, .25% discount for direct deposit with automatic payment.

Auto Buying Services

Self-Service Auto Buying: Shop and Save with AutoSMART

Find It. Drive It. Visit the Premier AutoSMART website for a complete auto shopping solution, offering comprehensive research tools and an extensive selection of vehicles available for purchase. This online tool is built to help you with every aspect of your vehicle purchase.
  • Browse inventory and compare vehicles
  • Research industry information on rebates and protection packages
  • Check the value of your trade-in
  • Locate your next car and apply onsite for Premier America Financing 

Get started with AutoSMART.

Full-Service Auto Buying with DriveWise

If researching a vehicle, negotiating the price, and spending hours at the dealership isn’t for you, then let DriveWise Auto do the work for you!

Financing Your Ride

Easy Online Application

Whether your vehicle is new, or new-to-you, Premier America makes it easy to finance your perfect ride. View current rates or apply now!


Refinancing your current vehicle loan is easy, and can save you money if you qualify for a lower rate with Premier America. Even if your loan is with another bank, we may be able to beat your current rate, and help you save hundreds of dollars a year.

Easy financing at participating dealerships

When you find the car you want, you can apply for a Premier America Auto Loan right at the dealership—just ask for Premier America financing. You'll get the same great Premier America rates, with the convenience of onestop shopping at the dealership.

Optional Loan Protection

Loan Payment Protection

Loan Payment Protection may help safeguard you and your family in case you're injured, or you lose your job. Get a quote.

For more information or to get loan payment protection after you finance, call Premier America at 800-772-4000, option 0.

Guaranteed Asset Protection (GAP)

GAP insurance can be added to new or used vehicle loans, and covers losses up to $50,000, and insurance deductibles up to $1,000. You can add GAP to your loan when you purchase your car, or call us at 800-772-4000, option 0, to add it to an existing loan. Get a quote.
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