Auto Loans
Drive the Car You Want.
Low rates, local decisions, and zero runaround — right here in West Virginia.
4.24% APR Standard rate*
3.74% 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 0.50% With Your PFI Relationship
Make Pioneer your Primary Financial Institution and receive a 0.50 percentage point lower auto loan rate — from 4.24% APR to as low as 3.74% APR for qualifying borrowers.** 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 4.24% APR*
PFI Rate 3.74% APR**
Auto Loan Calculator
Auto Loan Calculator
See your payment in seconds.
4.24% Standard APR as low as*
Vehicle Type
60 months
PFI Relationship Rate
Checking with direct deposit · save 0.50 percentage points
Add GAP Coverage
Optional GAP coverage · $499
Estimated Monthly Payment
Apply Now (Opens in a new window)
$ 0 .00 /mo
APR Used 4.74%
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 relationship requirements apply. The 84-month term requires a qualifying 2025 or newer vehicle. 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
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, qualifying members receive a rate 0.50 percentage points lower than the applicable standard rate.
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 4.24% 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 PFI relationship rate requires an active Pioneer AFCU checking account with direct deposit established within 90 days of loan funding. Qualifying PFI members receive a rate 0.50 percentage points lower than the applicable standard rate, including a rate as low as 3.74% APR for qualified borrowers. Rates are subject to change 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.