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Member Auto Center

Auto Loans

The best auto financing is powered by Widget!

Insist on us - right at the dealership

We make car buying easy – we’ve partnered with the best Erie area dealerships for financing.  Be sure to insist on us!  What’s more, we will provide anyone in our community with a free auto preapproval. Let us help you get your best auto deal today!   

Shop with confidence for your next auto loan:

  • It’s your choice – set a payment and due date to meet your budget
  • Need a 63 month loan?  What about a 39 month loan?  No problem!  We let our members set their own monthly terms and even due dates at the beginning of the loan
  • We have electronic services to make checking your balance, history and paying your loan easy
  • Whether you get paid monthly, bi-weekly, or even weekly, let us set your auto loan to be paid automatically with each paycheck using our Auto Payment Feature
  • Our Personalized Loan Pricing means that if you have taken care of your credit score, you could be approved for an even lower loan rate
  • We offer GAP (Guaranteed Asset Protection) to help you pay back your loan in the event of an accident
  • Be sure and ask our lenders about special offers when refinancing your auto loan from another lender

Looking to refinance your Auto Loan with another financial institution?

For a limited time - refinance your existing auto loan from another financial institution, and take 1% off our rates listed below! * 

 Apply for an Auto Loan


APR as low as12019 or newer201820172016201520142013201220112008-2010
24 Months3.79%3.89%3.89%4.19%4.19%4.59%4.59%4.99%5.29%5.29%
36 Months3.79%3.89%3.89%4.19%4.19%4.59%4.59%4.99%5.39%5.39%
48 Months3.79%3.89%3.89%4.19%4.19%4.59%4.59%4.99%5.39%5.39%
60-63 Months3.79%3.89%3.89%4.19%4.19%4.59%4.59%5.09%5.49%N/A
66 Months3.89%4.09%4.09%4.39%4.39%4.79%4.79%N/AN/AN/A
72 Months4.09%4.29%4.29%4.69%4.69%4.99%N/AN/AN/AN/A
75 Months4.19%4.39%4.39%4.89%N/AN/AN/AN/AN/AN/A
78 Months4.59%4.79%4.79%N/AN/AN/AN/AN/AN/AN/A
84 Months5.09%N/AN/AN/AN/AN/AN/AN/AN/AN/A
1Minimum loan amount is $7,500 for a 60 month term auto, $10,000 for a 72 month term auto, $12,000 for a 75 month term auto, $15,000 for a 78 month term auto, $20,000 for am 84 month term auto. Rates based on credit worthiness, term and other conditions. Maximum term for 2011 is 60 months. Rates obtained at a dealership may vary from above.

Auto Calc Refinance Calc 

* Get 1% off of our already great rate when you refinance your auto loan with us.  Subject to credit approval. Certain restrictions and conditions apply. The Annual Percentage Rate (APR) disclosed is the lowest possible APR for a refinance of a 2017 or newer auto loan up to a 72 month term and includes a 1% discount applicable when you refinance your auto from another financial institution; your interest rate will be based on creditworthiness, term, age of the vehicle, and other factors.  This offer may not be combined with any other offer.  Payment example:  The monthly payment on a $25,000 loan at 2.99% for 72 months will be $410.21 including our Prime payment protection package for the primary borrower.  This offer is for a limited time only; rates are subject to change without notice.  Existing credit union loans are excluded from this offer.


Walk into the dealership with confidence! Stop by any branch or call today to get preapproved before you shop!

New Auto Loans

We can finance any new (untitled) vehicle of the current model year up to 100% of its sticker price- plus tax, title, warranty and other associated costs. Terms are available up to 84 months for qualified loans.

Used Auto Loans

Used autos up to 11 model years old can be financed up to 100% of the current NADA retail value plus tax, title, warranty and other associated costs. Terms are available up to 84 months for qualified loans. We can also finance vehicles purchased from private owners.

Repayment Options

We want to make your auto loan as easy as possible, and we’ll do all we can to set you up with the payment structure that works best for you. We offer convenient payment options, such as a monthly coupon book, cash payments, monthly transfer from your Credit Union Savings or Checking Account, payroll deduction, or direct deposit.

Lending Philosophy

Our main objective is to meet the borrowing needs of our members. Past credit history, ability to repay, work history, outstanding obligations, and acceptable security are the primary factors our loan officers review when approving your loan.

Protect Your Loan

The Member’s Choice Borrower Security Program from Widget Financial is a voluntary loan-payment protection product that helps you get relief from the financial burden of delinquency, default or foreclosure if a protected life event unexpectedly happens to you. This program includes simple eligibility requirements to ease the enrollment process.

Guaranteed Asset Protection (GAP)

What are the chances of your vehicle being stolen or wrecked? There could be a big difference between what your insurance will pay and what you owe on a loan. That is where Guaranteed Asset Protection (GAP) Insurance could save you thousands of dollars. Contact us for information on our GAP coverage program.