From Dream to Driveway: Why an Auto Loan Through Your Credit Union Makes Sense

There’s nothing quite like the feeling of pulling into your driveway with a car that’s truly yours. At Prince George’s Community Federal Credit Union (PGCFCU), we make that dream a reality—while helping you save money along the way.

Unlike big banks, credit unions are member-owned, not-for-profit financial cooperatives. That means our profits go back to you in the form of lower loan rates, fewer fees, and better service. When you choose PGCFCU, you’re not just getting a loan, you’re joining a community that puts people first.

Proudly serving members in Beltsville and throughout Prince George’s County, Maryland, we are committed to helping you reach your goals—whether that’s purchasing your first car, upgrading to a newer model, or simply lowering your debt.

Financing a New or Pre-Owned Vehicle

Whether you’re after a brand-new ride or a dependable pre-owned car, PGCFCU has financing options designed to fit your needs:

• New Vehicles

  
  

  Financing a new car often comes with the lowest interest rates and flexible terms. With PGCFCU, you can take advantage of up to 125% financing, allowing you to roll in taxes, tags, and title without paying extra out of pocket. Plus, our no-payment-for-60-days feature gives you breathing room as you adjust to your new purchase.

• Pre-Owned Vehicles

  
  

  A pre-owned vehicle can save you money upfront, and financing through PGCFCU makes the process even smarter. Members receive a free CarFax report on any financed pre-owned vehicle, so you’ll know the history of the car before committing. No matter which option you choose, you’ll enjoy the same great benefits of financing through your local credit union—where your best interests always come first.

Peace of Mind Beyond the Loan

A car is one of the largest purchases you’ll make and protecting that investment is essential. PGCFCU offers:

• Guaranteed Asset Protection (GAP): Covers the difference if your car is totaled or stolen.

• Credit Life & Disability coverage: Provides peace of mind if life takes an unexpected turn.

• Property & Casualty insurance: Adds an extra layer of security.

For added protection, you can include a warranty service contract, which helps cover unexpected repair costs and keeps your vehicle reliable for years to come.

Considering a Refinance?

Already have a car loan elsewhere? Refinancing with PGCFCU could lower your rate and reduce your monthly payment. Even a small reduction of 0.5%–1% can mean hundreds of dollars in savings over the life of your loan. Use our auto refinance calculator to compare your current loan with new terms and see how much you could save.

Ready to Roll?

From pre-approval to protection, PGCFCU is here to help you drive forward with confidence. Apply today and experience the credit union difference.