PowerCo Federal Credit UnionPowering Your Financial Success Since 1935
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Online Banking

To register for Online Banking or Online BillPay, call Powerco at (404) 506-3750 or 1-800-633-5217. Please note that passwords are case-sensitive.

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Auto Loans

Auto Loans

Powerco offers both new and used auto loans with terms up to 84 months. There are no application fees and up to 100% financing is available. Check out our low-interest rates and then fill out a loan application for quick and easy preapproval. Research pricing on new and used automobiles and trade-in values with NADA Guides. Member Testimonial

Low-Cost Guaranteed Vehicle Loan Coverage

Low-cost Guaranteed Auto Protection Plus (GAP) coverage is available for both new and used automobile loans financed with Powerco Federal Credit Union. In the event your vehicle is deemed a total loss due to an accident or theft, GAP covers the difference between the actual cash value of your vehicle and the loan balance. GAP will even cover your insurance deductible of up to $1,000. Coverage is also available for boats and motorcycles. Contact Powerco for more information and complete details.

Affordable Mechanical Breakdown Protection

Powerco Federal Credit Union offers affordable Mechanical Breakdown Protection. It is available for most auto loans. That means that even if you didn't finance your vehicle with Powerco, you're still able to purchase this warranty coverage for your automobile.

Sometimes referred to as an extended warranty, Mechanical Breakdown Protection covers the cost to repair your vehicle when it breaks down. Powerco offers a variety of plans to choose from, including a Platinum Plan, which covers virtually all of your vehicle's mechanical and electrical components.

These plans are available for both new and used vehicles and they cost hundreds less than other "extended warranties." But the best part is that when you choose Mechanical Breakdown Protection from Powerco, you'll also receive a variety of additional benefits at no extra charge.

Close Your Loan Quicker with eSignature Service

eSignature ServicePowerco Federal Credit Union is pleased to offer you the option to close your loan electronically with our eSignature serviceeSignature expedites the loan closing process, meaning you can get your funds quicker and with less hassle. You can use our eSignature service to secure your loan, anytime and anywhere.

Enterprise Gives Exclusive Pricing & Offers for Powerco Members

Enterprise Car Sales offers exclusive pricing and special offers for Powerco members. To qualify for these deals, members must finance their Enterprise vehicle purchase with Powerco. Visit a local Enterprise Car Sales location or view their current inventory. You can submit your loan application online to expedite the process.The best way to buy and finance your next vehicle

Enterprise's professional staff will listen to you and help you find the right vehicle to fit both your needs and budget. With more than 250 makes and models of late-model, low-mileage vehicles at low, no-haggle prices, you will finally experience that worry-free environment when purchasing a vehicle.

Powerco Members Experience the Enterprise Difference!1

  • Haggle-free pricing
  • 109-Point Inspection conducted by ASE-Certified techniciansEnterprise logo
  • Kelley Blue Book Trade-In Value on all trade-ins  
  • Free 12 months/12,000 mile Limited Powertrain Warranty
  • Free 1 year Roadside Assistance
  • 7 days/1,000 miles Repurchase Agreement, no questions asked

View the current inventory today. Call 1-866-227-7253 to make your vehicle selection appointment today!

New & Used Automobile Loans

Vehicle LoanTermAmount FinancedRate* (APR)
Auto Loans - NewUp to 24 MonthsUp to 100%As Low As 1.99%
Auto Loans - NewUp to 36 MonthsUp to 100%As Low As 1.99%
Auto Loans - NewUp to 48 MonthsUp to 100%As Low As 2.25%
Auto Loans - NewUp to 60 MonthsUp to 100%As Low As 2.50%
Auto Loans - NewUp to 72 MonthsUp to 100%As Low As 2.90%
Auto Loans - NewUp to 84 MonthsUp to 100%As Low As 3.25%
Auto Loans - UsedUp to 36 MonthsUp to 100%As Low As 2.49%
Auto Loans - UsedUp to 48 MonthsUp to 100%As Low As 2.75%
Auto Loans - UsedUp to 60 MonthsUp to 100%As Low As 2.90%
Auto Loans - UsedUp to 72 MonthsUp to 100%As Low As 3.50%
Auto Loans - Older UsedUp to 60 MonthsUp to 100%As Low As 6.25%

Effective August 1, 2020
Rates Subject to Change Daily

 *Your Annual Percentage Rate (APR) is based on creditworthiness and term of the loan and could be higher than the stated rate. All rates and terms are subject to change without notice. Existing Powerco automobile loans not eligible for refinancing at these rates, terms, or discounts.  For complete details, contact a Powerco Loan Officer.

 APR = Annual Percentage Rate

1Enterprise Terms & Conditions




This credit union is federally insured by the National Credit Union Administration.

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. NMLS# 762143

Equal Housing Lender