Auto Advantage auto
loan program from PSFCU

The PSFCU Auto Advantage program puts you in the car you want for lower monthly payments!

Don’t Settle for Less Than the Car You Really Want

If you’ve had your eye on the car of your dreams but felt like the price was out of reach, PSFCU has the solution: our Auto Advantage program. With Auto Advantage, you don’t have to settle for less than the car you really want or break your budget every month with sky-high car payments. That’s because Auto Advantage gives you a financing option with monthly payments that are up to 40% lower. And unlike conventional auto financing, Auto Advantage lets you pay only for what you’ll use instead of the whole car, helping you to pay hundreds less each month.

Auto Advantage is a revolutionary balloon lending program –not a car lease –so you own the vehicle. It’s titled in your name, giving you greater flexibility. But there’s also no down payment required, no security deposit required, and no first or last payments required.

We Take the Stress Out of Auto Buying

Purchase the car of your dreams with Pasadena Service Federal Credit Union’s flexible new and used auto loan options. We offer competitive pricing and rates in the Pasadena, California area along with easy to setup repayment options for our qualified members.


  • Rates as low as 2.99% APR
  • Terms up to 84 months
  • First Time Auto Buying Program
  • Free Personal Concierge Car Shopper

    How it Works

    With Auto Advantage, the principal of your loan is calculated based on your loan term and the resulting residual value of the vehicle, splitting the loan into the part of the car’s value you actually use and the part you won’t. This results in a lower monthly payment than with conventional auto financing.

    The Unique Advantages –of PSFCU Auto Advantage

    • You own the vehicleit’s not a lease!
    • Great for new and preowned vehicles up to five years old.
    • Terms from 24 to 72 months.
    • No down payment, no security deposit, and no first and last payments are required!
    • No hidden fees, no early payoff penalty and no “back end” surprises!
    • Flexible mileage options, including 12,000, 15,000, and 18,000 per year with excess miles only $.10 each.
    • Local return option, even if you move, with no additional cost to return if you walk away from the vehicle at the termend.
    • Who you use for private auto insurance is up to you not to us.
    • Realistic residual value is based on the loan term, so you won’t have to pay an inflated price to keep the vehicle.

    What Happens at the End of your Term?

    The loan experts at PSFCU will walk you through your options. But at any time during your loan term, you can sell the vehicle, pay the loan balance (including residual value), and keep any difference. You can also use the vehicle as a tradein, and the loan balance (including residual value) is paid as part of the transaction. If you love your car and want to keep it at the end of your loan, just refinance the loan balance/residual value. Or, if you’re ready for something new, you can simply return the vehicle and walk away from the residual value with nothing more to pay.

    Estimate your Auto Advantage payment!

    Auto Advantage is the Answer

    With car prices always going up, you may ask yourself how you willever be able to afford to buy your dream car or any new car. The answer is Auto Advantage from PSFCU. And as a PSFCU member, you have free access to our Personal Concierge Car Shopper, who can help you find the car that’s perfect for you while saving you money on the purchase price and with an Auto Advantage.

    For more information about Auto Advantage or to start your application, give us a call at 626.351.1487.

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