4.95% APR* for loans up to 72 months | 5.45% APR* for loans up to 84 months
Plus No Payments for the First 3-Months*
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:
| Term | Rates as low as |
|---|---|
| Up to 48 months | 4.95% APR |
| Up to 72 months | 4.95% APR |
| 73 months + | 5.45% APR |
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.
*Auto Promotion: June 15 through August 31, 2025 – members with a credit score of 650 or higher will receive 4.95% APR up to 72 months and 5.45% APR up to 84 months on vehicle loans 5 years or newer financed or refinanced with Diamond from another financial institution. Rate includes electronic repayment of the loan. Members electing manual or coupon payments are subject to a rate increase of .25% APR. New and used motorcycle, RV, and business vehicles loans do not qualify. Rates and promotion subject to change at any time. 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. Repayment example: $20,000 vehicle loan with a 72 month term = $321.63 per month at 4.95% APR. $20,000 vehicle loan with an 84 month term = $286.93 per month at 5.45% APR.
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.
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.
| Term | Rates as low as |
|---|---|
| Up to 48 months | 6.49% APR |
| Up to 72 months | 7.29% APR |
| 73 months + | 7.99% APR |
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.
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.
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:
Diamond doesn’t make those annoying robo calls with an “urgent message for the vehicle owner.” We do offer excellent protection with matching service.
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.
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!
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