Get Road Trip Ready With a $250 Bonus1

Citadel Credit Union offers some of the lowest rates on car loans in the area. Purchase or refinance a new, certified pre-owned or used car, and for a limited time get a $250 bonus.

Auto Loans From Citadel

Shopping for a new vehicle or refinancing? You only need to make one stop. Citadel proudly offers some of the lowest auto loan rates in the area. Purchase a new, certified pre-owned, or used car or refinance your non-Citadel auto loan, and for a limited time get a $250 bonus.

  • Everyday low rates
  • Defer your payment up to 60 days2
  • Get pre-approved for purchase
  • Finance up to 120% of vehicle value3

We’ll get you on the road with everything from low rate car loans to research tools for new and used dealer inventories near you.

Not sure where to start? We'll put you in gear! Schedule an appointment, connect with us virtually through Video Connect, call us at 800-666-0191, or visit any branch.

Connect with a representative now!

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Auto Loan Rates

*Offers are subject to credit approval. APR = Annual Percentage Rate. Read Full Disclosures.

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Additional Features

  • Skip-a-Pay: With Citadel’s Skip-a-Pay, you can skip your loan payment for the following month. Log in to Online Banking and find out if you have an eligible loan today.
  • Extended Vehicle Warranty and GAP Coverage - Get a free quote today on an Extended Vehicle Warranty and GAP Coverage. Learn more.
  • Payment Protection – Protect your loan from the unexpected. Learn more
  • Looking to lower your monthly payment? See how refinancing your vehicle with Citadel can save you money today!
  • Auto loan calculator – Use Citadel's auto loan calculator to calculate your monthly payments.

Ready to speak with a representative about Citadel's Auto Loans?

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Hear From Our Members

video connect

Introducing Citadel Video Connect

We've introduced a new way to bank, making it easier than ever to chat face-to-face with a local Citadel team member. The best part? You can connect with us safely and securely from anywhere — with just a few clicks on your laptop, desktop computer, or your mobile device. Learn more.

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Frequently Asked Questions

Who can I contact with auto title questions?
For any auto title questions, please feel free to contact us at or call us at (800) 666-0191.
When will I receive the title once I pay off my auto loan?
You will receive your title within 30 days of paying off your loan. For any auto title questions, please contact us at
How do I make a payment to a Citadel loan?

There are several ways to make a payment to your Citadel Loan. Visit our Payments page for full details.

 Loan Payment Options    
 Automatic Recurring or One-Time Payments Pay from another Financial Intuition  Set up Auto Pay with Citadel
 Debit Card or eCheck Payment Debit Card or eCheck Options Pay Now!
 Online and Mobile Banking Payment Online and Mobile Banking Details Enroll Now!
 In Person Payments Find a Citadel Branch   
 Pay by Mail

Mail Payment Address:
P.O. Box 650
Exton, PA 19341


Still have questions? Visit our help center.

*Auto & Motorcycle Disclosures

View *Auto & Motorcycle Disclosures

1To qualify for the $250 cash bonus, loan amount minimum is $10,000. Loan must be closed at an existing Citadel branch and cannot be financed through an automobile dealer. Refinancing of existing Citadel auto loans do not qualify. The bonus deposit will be deposited into your Citadel savings account within 60 business days of the loan funding. Loan must be open and in good standing at the time of incentive processing. Cash bonus is subject to all applicable taxes and are the responsibility of the member. The value of this bonus will be reported to the IRS and the recipient is responsible for any federal, state, or local taxes on this offer.

2First payment may be deferred for up to 60 days from loan date for credit-qualified individuals. Your loan will accrue interest during that time. Payments can be made during deferral period. Some restrictions apply. Offers may be modified or withdrawn at any time. Ask for full details.

3Annual Percentage Rates (APRs) shown are accurate as of and may change without notice. APRs may range from 2.99% and will not exceed 18%. Your actual APR will be based on a review of your credit application, creditworthiness, collateral, vehicle model year, and loan term. Not all members will qualify for the lowest rate and payment may not be lower for every member. All loans are subject to credit approval. Up to 120% financing on vehicle model years 2015 and newer are available; not all borrowers will qualify for full percentage of advance. A lien recording fee applies and will vary by state.

If you are not currently a customer, Citadel will open a savings account in your name upon approval and fund it with a $5 initial deposit. This savings account will give you access to a variety of Citadel’s products and services.