Auto Loans
Drive the Car You Want.
Low rates, local decisions, and zero runaround — right here in West Virginia.
4.74% APR Starting rate*
3.74% APR With PFI Loyalty Discount**
Questions? Call (304) 348-6648 or visit a branch.
84 Month max term
1 day Most decisions
50% Less than dealer GAP
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
Unlock the 1% Loyalty Discount
Make Pioneer your Primary Financial Institution and drop your auto loan rate by a full 1% — from 4.74% APR down to 3.74% APR.** It's our way of rewarding members who bank with us every day.
To qualify, simply:
- Set up direct deposit to your Pioneer account
- Open and actively use a Pioneer checking account within 90 days
Standard Rate 4.74% APR*
PFI Rate 3.74% APR**
Auto Loan Calculator
Find Your Payment
GAP Coverage
$
Estimated Monthly Payment
$0.00/mo
Total of All Payments
Apply for This Loan
$0.00
Estimates are for illustrative purposes only. Actual rate and payment depend on credit approval, loan amount, and term. GAP cost is an estimate. Not all applicants will qualify for the lowest rate.*
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 it at nearly 50% less than dealership pricing.
- Covers difference between loan balance and insurance payout
- Available at loan closing or when you call
- Dealer charges $400–$700 · Pioneer charges far less
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
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 — if your loan is currently held at another financial institution. Internal refinances (loans already with Pioneer AFCU) do not qualify for the promotional rate.
Set up direct deposit to a Pioneer AFCU account and open and actively use a Pioneer checking account within 90 days of your loan. When those requirements are met, your rate drops by 1%.
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. Rate as low as 4.74% 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.
**The 1% PFI Loyalty Discount requires an active Pioneer AFCU checking account with direct deposit established within 90 days of loan funding. This is a limited-time offer, subject to change or discontinuation at any time without notice. Not applicable to internal Pioneer AFCU refinances. Additional eligibility requirements may apply.
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.