Auto Loans
Drive the Car You Want.
Low rates, local decisions, and zero runaround — right here in West Virginia.
4.99% APR Standard rate*
3.99% APR With PFI relationship**
Questions? Call (304) 348-6648 or visit a branch.
84 Month max term
1 day Most decisions
$499 GAP coverage
Why Finance With Pioneer
Rates that save you money
Competitively low rates on new and used vehicles — and even lower when you make Pioneer your primary bank.
Local decisions, fast
Decisions made right here in Appalachia — not routed to a call center. Most applicants hear back within one business day.
Flexible terms
Terms from 36–84 months, new or used, purchase or refinance from another lender. Built around your budget.
People who know your name
Friendly Financial Advocates who live and work in your community — not a script, not a bot.
Exclusive Member Benefit
Save 1.00% With Your PFI Relationship
Make Pioneer your Primary Financial Institution and receive a 1.00 percentage point lower auto loan rate — from 4.99% APR to as low as 3.99% APR for qualifying borrowers.**
To qualify for the full PFI Loyalty Discount:
- Maintain an active Pioneer checking account
- Have full direct deposit into your Pioneer account
Establishing PFI within 90 days? Qualifying members who establish the PFI relationship within 90 days receive a 1.00 percentage point rate reduction from the applicable standard rate.
Ask About PFI →Standard Rate 4.99% APR*
PFI Rate 3.99% APR**
Auto Loan Calculator
Auto Loan Calculator
See your payment in seconds.
4.99% Standard APR as low as*
Vehicle Type
60 months
PFI Relationship Rate
Qualifying checking with full direct deposit · save 1.00 percentage point
Add GAP Coverage
Optional GAP coverage · $499
Estimated Monthly Payment
Apply Now (Opens in a new window)
$ 0 .00 /mo
APR Used 5.49%
Amount Financed $0
Total Interest $0
Total of Payments $0
Calculator starts with the standard rates available to qualified borrowers. Turn on the PFI Relationship Rate only if the qualifying PFI Loyalty requirements apply. The 84-month term requires a qualifying 2026 or newer vehicle and a minimum $25,000 loan amount. Estimates do not reflect the 90-day payment deferral; interest accrues during the deferral, so your actual payment and total interest may be slightly higher. Actual rate and payment depend on credit approval, vehicle age, loan amount, term, loan-to-value ratio, and other underwriting factors.* ** ***
Protect Your Investment
GAP Coverage
When you drive off the lot, your car loses roughly 20% of its value immediately. If it's totaled, you could owe more than insurance pays. GAP covers that gap — and Pioneer offers GAP coverage for $499.
- Covers difference between loan balance and insurance payout
- Available at loan closing or when you call
- Pioneer GAP coverage: $499
Route 66 Extended Warranty
Protect yourself from costly repairs with Mechanical Breakdown Protection from Route 66 Warranty. Available for new and used vehicles — even if you're no longer under the manufacturer's warranty.
- $0 deductible options available
- Nationwide coverage & 24/7 roadside assistance
- Transferable if you sell your vehicle
- 30-day money-back guarantee
- Total loss refund — full premium back if car is totaled
Easy Street — Factory-Type Main Street — Deluxe First Street — Drivetrain
View Brochure →
Offered by a third party. See Service Agreement for full details.
Skip a Payment
Need some breathing room? Skip a month's loan payment and keep the cash. Submit your request at least 2 weeks before your due date.
Fee applies. Interest continues to accrue during the skipped payment period.
Learn More →Pioneer Auto Shopping
Search for your next new or used vehicle through Pioneer's exclusive auto shopping site. Research local deals, compare prices, and save time before you ever step on a lot.
Search Vehicles →Frequently Asked Questions
Close a qualifying Pioneer auto loan during the promotion and your first payment won't be due for about 90 days. Interest still builds during that time, so waiting adds a little to the total cost of the loan. A Financial Advocate can walk you through how it fits your budget. See offer details below.***
Anyone who qualifies for a Pioneer AFCU auto loan and meets our credit approval criteria. Membership is required — join here if you're not already a member.
Yes — auto loans held at another financial institution may be refinanced with Pioneer. Internal refinances may be subject to additional pricing. Contact a Financial Advocate for details.
Qualifying PFI Loyalty members with an active Pioneer checking account and full direct deposit receive a rate 1.00 percentage point lower than the applicable standard rate. Members who establish the qualifying PFI relationship within 90 days receive a 1.00 percentage point rate reduction.
New and used personal vehicles — cars, trucks, and SUVs. Specialty vehicles such as RVs, motorcycles, and boats are handled under separate loan programs with different terms.
Most applicants receive a decision within one business day. Processing time depends on credit review and documentation. You can apply online, call us at (304) 348-6648, or visit any branch.
Loan amounts vary based on vehicle value, creditworthiness, and other factors. Contact a Financial Advocate for details on your specific situation.
*APR = Annual Percentage Rate. Standard auto loan rate as low as 4.99% APR based on credit approval. Not all applicants will qualify for the lowest rate. Your actual rate may be higher based on credit history, loan amount, term, loan-to-value ratio, and other underwriting factors. Rates are subject to change without notice.
**PFI Loyalty Discount requires a qualifying Pioneer AFCU checking account with full direct deposit. Qualifying PFI members receive a rate 1.00 percentage point lower than the applicable standard rate, including a rate as low as 3.99% APR for qualified borrowers. Members who establish the qualifying PFI relationship within 90 days receive a 1.00 percentage point rate reduction from the applicable standard rate. Rates are subject to change without notice. Additional eligibility requirements and rate adjustments may apply.
***Limited-time offer on qualifying Pioneer AFCU auto loans. First payment due approximately 90 days after loan closing. Interest accrues from the date of the loan, including during the deferral period, which will increase the total finance charge. Subject to credit approval. Offer may be modified or withdrawn at any time.
Membership with Pioneer Appalachia Federal Credit Union required. Federally insured by the NCUA.
Fraud Alerts
Pioneer is always keeping up to date with recurring trends or trends seen in the news regarding fraud. We report the information to you so that you can take precautionary measures to ensure your card has not been compromised.