Car Loans Chambersburg, PA

Celebrate a Summer of Freedom at 1st Ed!

Need a new car? Or looking for a way to save money every month on your vehicle loan? This summer, when you finance your new or used car, truck, or motorcycle at 1st Ed you can send your wallet on vacation with 90 days payment-free OR a $250 1st Ed Visa gift card* to celebrate the USA’s 250th birthday. Whether you’re looking to ease the pain at the pump or enjoy your summer free of worries about your auto loan payment, we’re here to help. Plus, you get the great features that come with financing at 1st Ed:

Save with competitive rates
No down payment required
Get pre-approved for the loan for bargaining power
Apply online, in person, by phone, or fax
Make convenient payments online
Have loan security with GAP Plus & 1st Ed Credit Union’s Protection Plus– often at a lower cost than you’ll find at the dealership

Click below 24 hours a day to start your application. You can also call 717-264-6506 (option 6) for a representative to take your application by phone.

Apply Now

New or Used Autos / Cars / Trucks / Motorcycles

Info and/or Terms	APR
Up to 36 months (as low as)	4.99%*
37 - 60 months (as low as)	5.15%*
61 - 72 months (as low as)	5.35%*

*APR=Annual Percentage Rate. APR and loan approval based on creditworthiness, loan term, loan to value, and age of collateral. Refinancing of 1^st Ed loans do not qualify. Rates subject to change without prior notice. Restrictions apply Equal Opportunity Lender. Not a member? Visit https://www.1edcu.org/about-us/membership/ to see if you qualify.

First payment for new/used auto/motorcycle loans and external refinances of the same nature may be deferred up to 90 days. Excludes 1^st Ed refinances. Interest will continue to accrue from the date of loan funding. Ninety-day payment deferment based on creditworthiness, loan amount, and age of collateral. To qualify for the 90-day no payment promotion, applications must be funded during the promotional period of 6/15/2026 to 8/31/2026.

Applicants who are not eligible for the 90-day no payment option or do not want to defer their loan payments for 90 days will receive a $250 1^st Ed Visa Gift Card when they finalize their loan between 6/15/2026 to 7/31/2026.

Not a member? Visit https://www.1edcu.org/about-us/membership/ to see if you qualify.

It Pays To Compare

A loan from 1st Ed almost always cost less than the competitors’. You’ll save with reasonable rates and terms. When reviewing your loan options, consider the money-saving features we offer at 1st Ed:

No prepayment penalties
No application fees
Simple interest – you only pay interest for the time you borrow the money
For a limited time only, you can take advantage of our 90 day no pay offer, or get a $250 gift card*

Loan Tips

Items needed when applying for:

A new Automobile, Motorcycle or Recreational Vehicle Loan:

Purchase and Sales Agreement
Current Pay Stub

A used Automobile, Motorcycle or Recreational Vehicle Loan:

Copy of certificate of title with vehicle identification number and proof that the vehicle is not a salvage/reconstructed vehicle

If your loan is approved prior to funds being disbursed, an insurance binder with the appropriate coverage showing 1st Ed Credit Union as lien holder will be required.

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