Used Auto Loans

Get the keys to a dependable used vehicle with affordable auto financing options.

When life gets busy and budgets feel tight, dependable transportation shouldn’t be out of reach. Our used auto loans help you get into a reliable vehicle with confidence. Proudly serving members throughout Schuylkill County, CACL Financial offers local used car financing you can trust.

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    Smart Used Auto Financing That Fits Your Budget

    Competitive Rates

    Our competitive used auto loan rates help keep the overall cost of vehicle financing lower.

    No Application Fee

    No hidden costs help you keep more of your hard-earned money.

    Finance Up to 125% of Purchase Amount

    You may qualify for a no-down-payment loan, allowing you to drive off the lot sooner.

    Used Auto Loan Details

    We offer used car financing that’s practical, flexible, and designed to fit real-life budgets.

    How our Used Auto Loans work for you:

    • Flexible Loan Terms: Choose a repayment plan that fits your budget. We offer Used Auto Loans from 36 to 120 months, giving you the option to balance monthly payments and overall loan cost.
    • Recent Model Vehicles: Drive a dependable vehicle without paying brand-new prices. Used Auto Loans are available for vehicles from the current model year through the previous five model years1.
    • Dealer or Private Seller Financing: Whether you’re buying from a dealership or a private seller, we make used car financing straightforward and convenient.

    Young stylish couple looking at used cars at a dealership

     

    How to Apply for a CACL Used Auto Loan

    1. Apply

      Conveniently apply online by clicking the button below, or in person at our loan department.

    2. Application Review

      We’ll connect with you to discuss your options and answer any questions.

    3. Finalize the Loan

      Sign the loan documents to complete the purchase of your used vehicle.

    See What Our Members Are Saying

    I've had my current account with CACL since 1980. Incredible service, friendly staff, good rates, compassionate banking and trust. I've never had an issue that couldn't be resolved. As times have changed, services have kept pace. I use online banking several times a week (most of the time, I log in daily) and have no issues. I love my little credit union and am grateful to have such a partner looking out for my financial health.

    Chrissy S., Pottsville, PA

    Great customer service and top-notch loan department. They are always going out of their way to help the people in Schuylkill County!

    Joe S., Pottsville, PA

    Love this place! Great for banking and a superior lending institution! The staff is always friendly and helpful.

    Penny S., Pottsville, PA

    Used Auto Loan FAQs

    A used auto loan with CACL Financial covers up to five previous model years from the current year. This type of auto loan helps you finance the purchase of a pre-owned vehicle. We’re happy to walk you through your options and help you find a loan that fits your budget.
    Eligibility depends on factors like your credit history, income, and overall financial situation. Because every situation is different, we encourage you to connect with us to review your options. Membership with CACL Financial is required for all auto loans. Click here for more membership information.
    We finance pre-owned cars, trucks, and SUVs that are up to five years old1. If you have a specific vehicle in mind, we can confirm eligibility and guide you through the next steps.
    Yes. Our credit union used auto loan options are available for both dealer purchases and private sales. 
    Often, yes. Refinancing may help you get a lower rate or better payment terms. We can review your current loan and help determine whether refinancing may be a good fit.
    Our credit union used auto loans have flexible terms ranging from 36 to 120 months. We’ll help you choose a term that aligns with your budget and financial goals.

    Start Your Car Buying Journey Today

    Buckle up! Your next used ride is just a few clicks away.

    Get Started

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