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Auto & Motorcycle Loans

Everything you need to purchase and protect your ride.

3 diamonds. First diamond has image inside of white auto on a road in the mountains. Second diamond has an image of an aerial view of a road in the mountains with vehicles traveling both directions. Third diamond has an image of a motorcycle in the mountains.

Auto Loans

Whether your next vehicle is electric, new or used, Diamond’s auto loans offer a distinct advantage over other loans. Diamond’s auto loans feature:

  • Extended financing options (up to 7 years) available
  • Same loan rate for both new and used vehicles, models 6 years and older have higher rates
  • Up to 115% financing, including taxes, tags, and extended warranties
  • Flexible payment plans
  • Pre-approvals online
  • Refinancing is available
  • Warranties, insurance, buying tools and more

New / Used Auto Loan Rates (Current model year and up to 5 years old)

Loan Disclosure
Term Rates as low as
Up to 48 months 5.39% APR
Up to 72 months 5.74% APR
73 months + 6.49% APR
Apply For: Auto Pre-Approval Auto Purchase Auto Refinance
For assistance, contact a Diamond Representative by calling 610-326-5490.

Annual Percentage Rate (APR), Term, Loan to Value (LTV), and other loan determinations are subject to credit and collateral review. Other rates and terms are available for vehicles 6 years and older.

Vehicle Requirements and Restrictions: Rates & terms apply to purchases and refinances for consumer-use vehicles only.  Commercial vehicles or vehicles used for commercial purposes must be directed to our Business Lending Department. We may determine a vehicle to be for commercial use or otherwise ineligible based on the model and/or information provided to us.  Vehicles must be no older than 10 years and have an established resale value.  Vehicles 6 years and older are limited to a term no greater than 66 months.  Diamond Credit Union does not finance the following vehicles: ATVs, boats, camper vans, vehicles with a history of chronic malfunctions and/or manufacturer or dealer buyback vehicles (alternatively referred to as lemons), salvage title vehicles, branded title vehicles, lease buyouts or vehicles without a vehicle identification number (VIN) or title issued. The vehicle must be located within the contiguous United States.

Must qualify for membership.  Eligibility for Credit Union membership at Diamond is open to anyone who lives, worships, works (or regularly conducts business in), or attends school in Berks, Montgomery, Chester and Bucks counties in Southeastern Pennsylvania.

Motorcycle Loans

Diamond’s new/used motorcycle loans offer the same features and benefits as our auto loans, including extended financing, same rate for both new and used motorcycles, flexible payment plans, and pre-approvals or refinancing available online.

New / Used Motorcycle Loan Rates (Current model year and up to 5 years old)

Loan Disclosure
Term Rates as low as
Up to 48 months 6.49% APR
Up to 72 months 7.29% APR
73 months + 7.99% APR
Apply For: Motorcycle Pre-Approval Motorcycle Purchase Motorcycle Refinance
For assistance, contact a Diamond Representative by calling 610-326-5490.

Annual Percentage Rate (APR), Term, Loan to Value (LTV), and other loan determinations are subject to credit and collateral review. Other rates and terms are available for vehicles 6 years and older.

Vehicle Requirements and Restrictions: Rates & terms apply to purchases and refinances for consumer-use vehicles only.  Commercial vehicles or vehicles used for commercial purposes must be directed to our Business Lending Department. We may determine a vehicle to be for commercial use or otherwise ineligible based on the model and/or information provided to us.  Vehicles must be no older than 10 years and have an established resale value.  Vehicles 6 years and older are limited to a term no greater than 66 months.  Diamond Credit Union does not finance the following vehicles: ATVs, boats, camper vans, vehicles with a history of chronic malfunctions and/or manufacturer or dealer buyback vehicles (alternatively referred to as lemons), salvage title vehicles, branded title vehicles, lease buyouts or vehicles without a vehicle identification number (VIN) or title issued. The vehicle must be located within the contiguous United States.

Must qualify for membership.  Eligibility for Credit Union membership at Diamond is open to anyone who lives, worships, works (or regularly conducts business in), or attends school in Berks, Montgomery, Chester and Bucks counties in Southeastern Pennsylvania.

Warranties, Insurance & More

Extended Warranties

Unexpected repairs can happen after your factory warranty expires. An extended warranty through Diamond Credit Union can help you limit the cost of covered repairs. The up-front cost of an extended warranty through Diamond is often significantly cheaper then those offered by dealers.

Benefits of an extended warranty through Diamond Credit Union:

  • Limit repair costs to your deductible, if any.
  • Choose your deductible: $100, $250, or $500.*
  • Rental Reimbursement.
  • 24-Hour Emergency Roadside Assistance.
  • Travel Expense Reimbursement.
  • Transferable if sold privately.
  • Good at any Authorized Repair Facility in the U.S. or Canada.

Diamond doesn’t make those annoying robo calls with an “urgent message for the vehicle owner.”  We do offer excellent protection with matching service.

Give Us A Call Email Us
Ask your Diamond representative for complete details on all benefits.
*Not every deductible option is available for all coverage plans or terms.
Auto Insurance

As a credit union member, you have the chance to save money on your car insurance. Diamond has joined with TruStage (TM) and Liberty Mutual so you can get the coverage you need from leading insurance companies, the service you deserve, and the savings that only come with credit union membership.

Additional discounts may include multi-car, anti-lock brakes, airbags and automatic seat belts, anti-theft device, and good student rewards.

Call TruStage Auto & Home Insurance at 1-855-483-2149.

Guaranteed Asset Protection (GAP)

GAP may cover the deficiency balance on your loan in the event of a total loss or theft. Most insurance companies only pay the Cash Value of the vehicle at the time of the loss. Your remaining loan balance could be much greater than the Cash Value of your vehicle creating a deficiency of several thousand dollars that you’re liable for!
Get An Instant Quote For GAP Coverage

Auto Express Loan

Streamline the auto buying process by getting pre-approved with an Auto Express Loan.
Learn More And Apply Online In Minutes

 

Limited Time - Easy as $123 Cash Back Offer*

Getting an auto loan with Diamond is as easy as 1-2-3. It’s only fitting that you get $123 Cash Back when you finance a new or used auto loan. Take advantage of this limited time offer to save money on your new or new-to-you vehicle.

*Valid on all new/used autos and motorcycles purchased directly financed by Diamond Credit Union or refinanced from another lender. Title secured loans, business vehicle loans, RV financing, and existing Diamond Credit Union loans are not eligible for this offer. An opening loan balance of at least $15,000 will qualify for the $123 rebate. The promotional amount will be transferred into the membership share savings account once the loan is funded. If the loan is then refinanced from Diamond to another financial institution within 90-days of the purchase/refinance, then the promotional amount will be added to the loan payoff amount. Must be 18 years of age to qualify. Promotional incentives may be subject to income reporting. Certain conditions and restrictions may apply, and offer may end at any time. Weekly and/or Bi-Weekly internal or external transfers can be posted toward the monthly loan payment amount so long as the full monthly payment is satisfied by the monthly payment due date. Failing to have full payment submitted by the due date may result in fees and additional charges. Rate match: Not all who apply or refinance will qualify for the rate match. Rate matches on refinanced auto loans are subject to credit requirements. All offers are valid for a limited time, see a Diamond representative for details.

3 Month Payment Break*

From the date of your loan signing on new, used, or refinanced autos and motorcycles, we’ll let you go payment-free for 90 days.

*Interest will continue to accrue during the 90-day payment break.

Payment Example: A 66-month auto loan at 5.99% fixed APR will have 66 monthly payments of $17.82 per $1,000 borrowed. Auto Express Loans are not eligible for the 90-day payment break.

New/Used Car Pricing

Look up any make and model for new car pricing and used car values according to NADA Guides (National Automobile Dealers Association).

Vehicle Pricing Guide below is not mobile responsive. To view on a mobile device, go to the NADA website.

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Local Phone Number: 610-326-5490
Toll Free Phone Number: 800-593-1000
Routing Number: 231385154
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