Auto Loans Philadelphia | New Auto Loans

New car loans

Finance up to 100% of new vehicles' value, plus tax, tags and warranty
Terms up to 84 months for loan requests beyond $15,000
Available for vehicles with fewer than 5,000 miles
Same day decisions in most cases

Used car loans

Finance up to 100% for vehicles up to seven years old (plus tax, tags and warranty) with terms up to 72 months
Terms up to 84 months available for loan requests beyond $15,000
Same day approvals in most cases

Refinance your existing car loan

Keep your car, lower your monthly payment
Flexible term options up to 84 months
Quick and easy loan applications
Same day approvals in most cases

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Auto Buying Concierge

Our in-house auto buying specialists can help you with your car buying experience.

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Find Your Car

Research: Select a model to get started. Search dealer inventories for your next car.
Finance: Find out what you can afford. Learn what your monthly payment would be. Get preapproved.

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SMART Auto Financing

Extend your term to lower monthly payments
$15,000 minimum amount to finance

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AutoCalculator

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Rates effective starting: 11.28.23

Product¹	APR (As low as)²	Maximum term	Monthly Cost per $1,000
New Auto	6.24%	48 months	$23.60
New Auto	6.24%	66 months	$17.95
New Auto	6.49%	75 months	$16.26
New Auto	7.24%	84 months³	$15.22
Used Auto (2013 or newer)	6.24%	48 months	$23.60
Used Auto (2015 or newer)	6.24%	66 months	$17.95
Used Auto (2016 or newer)	6.49%	75 months	$16.26
Used Auto (2019 or newer)	7.24%	84 months³	$15.22
Classic Auto	7.49%	60 months	$20.04
SMART Auto	8.89%	10 years	$12.62

¹A new vehicle is defined as 5,000 miles or less. A used vehicle is defined as model years covering the current calendar year and the past 9 calendar years. Used car value determined by using the current NADA retail book value; new car value determined by using, MSRP. Monthly payment example of $287.93 or $19.20 per $1,000 borrowed (including optional payment protection) is based on a new or used $15,000, 60-month auto loan, at 100% Loan to Value at a rate of 2.99% Annual Percentage Rate.

²APR = Annual Percentage Rate. APR shown reflects 0.25% discount for automatic payment from an Ardent Credit Union checking or savings account; APR is 0.25% higher without automatic payment. Rates and terms are subject to change based on market conditions and borrower’s eligibility. Ardent Credit Union has a tiered rate policy, which applies different interest rates to borrowers, based upon the borrower’s credit worthiness. Borrower must meet credit union lending guidelines. Click here for membership eligibility requirements, which apply. Auto Loans are not available in Puerto Rico.

³$15,000 minimum required.