Been with Citadel Since Age 13
“I’ve been with Citadel since I was 13 and had my first job. Now I use them for my car loans and credit cards, and I will probably use them when I buy my first house. I love Citadel!”
Get Road Trip Ready With a $250 Bonus1
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.
Get Pre-Approved
Knowing how much you can borrow will help you choose your next set of wheels. Citadel has auto loans to fit your needs.
Apply Now
Refinance Today
Refinance your auto loan for a lower rate and monthly payment.
Learn More
The Right Car at the Right Price
Not sure where to start for your auto loans? With Citadel’s AutoSMART, you will find research tools and calculators to help.
Search Dealer Inventories
Connect with a representative now!
Video ChatAuto Loan Rates
*Offers are subject to credit approval. APR = Annual Percentage Rate. Read Full Disclosures.
AS LOW AS
2.99%APR
Used - Up to 66 Months
Model Years 2019-2021
Up to 66 Months
AS LOW AS
3.24%APR
Used - Up to 66 Months
Model Years 2015-2018
Up to 66 Months
AS LOW AS
5.99%APR
Used - Up to 60 Months
Model Years 2013-2014
Up to 60 Months
AS LOW AS
9.49%APR
Used - Up to 60 Months
Model Years 2007-2012
Up to 60 Months
AS LOW AS
2.99%APR
New Auto - Up to 66 Months
Model Year 2021+
Up to 66 Months
AS LOW AS
3.24%APR
New - Up to 75 Months
Model Year 2021+
Up to 75 Months
AS LOW AS
3.490%APR
New - Up to 84 Months
Model Year 2021+
Up to 84 Months
AS LOW AS
4.99%APR
New Motorcycle Loan
Model year 2019+
New Motorcycle - Up to 66 Months
AS LOW AS
4.99%APR
Used Motorcycle Loan
Model Years 2019-2021
Up to 66 Months
AS LOW AS
5.24%APR
Used Motorcycle Loan
Model Years 2015-2018
Up to 66 Months
AS LOW AS
7.99%APR
Used Motorcycle Loan
Model Years 2013-2014
Up to 60 Months
AS LOW AS
11.49%APR
Used Motorcycle Loan
Model Years 2007-2012
up to 60 Months
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?
Schedule AppointmentHear From Our Members
Customers for Over 10 Years
“We have been Citadel customers for over 10 years. They've always been there to help us with our lending needs when other banks would not approve us. The auto loan department is also fantastic. Citadel’s follow up and attention to detail is amazing. Every representative I spoke to was friendly, courteous, and always had an answer for me. I constantly recommend Citadel to my friends. I wish every bank and lending organization followed their model and cared about their customers the way they do. ”
Memorable Service
“I joined in 1969 when Citadel was Lukens Federal Credit Union. After being a member for a few years, I remember calling them for a car loan when I was buying a new car. Within hours, they had a check for me, and I was able to pick up my car after work. I'll always remember that kind of service and personal attention. I have stuck with Citadel ever since.”
Thorough Explanation
“I received very thorough information from Sy in the Call Center regarding my auto loan and other products offered through Citadel. I appreciated him taking the time to explain everything in detail.”
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.
Frequently Asked Questions
Who can I contact with auto title questions?
For any auto title questions, please feel free to contact us at TitlesAdministration@citadelbanking.com 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 TitlesAdministration@citadelbanking.com.
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: |
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.
