Winter Vehicle Loans: Smart Financing Options for Your All-Weather Wisconsin Ride

Wisconsin winters demand vehicles that can handle everything from icy roads to heavy snowfall. If you're in the market for a winter-ready ride, Public Service Credit Union offers competitive financing solutions to help you drive safely through any weather.

Competitive Rates to Keep You Moving

Currently, we're offering auto loan rates starting at just 5.50% APR for terms from 24 to 48 months. For loans of $20,000 or more, take advantage of extended 72-month terms at 6.00% APR, or 84-month terms at 6.25% APR for loans of $25,000 or more. And at Public Service Credit Union, borrowers are approved based on their ability-to-repay, not their credit score. Remember that rates are subject to change - visit publicservicecu.org/rates or call (715) 842-9865 for the most current rates.

Financing That Fits Your Needs

Whether you're eyeing a new SUV or a pre-owned truck with all-wheel drive, we offer flexible financing options:

  • Up to 100% financing for 2015 and newer vehicles

  • Up to 90% financing for 2014 and older vehicles

  • Quick approval process

  • Easy online application at publicservicecu.org/loanapp

“Remember to apply before you shop so you know exactly what you can afford when visiting dealerships.”

Protect Your Investment

Wisconsin winters can be unpredictable. That's why we recommend considering these valuable protections:

Guaranteed Asset Protection (GAP)

For just $425, GAP coverage can save you thousands if your vehicle is declared a total loss. Here's why it matters:

  • Covers the difference between your insurance payout and loan balance

  • Includes complimentary Auto Deductible Reimbursement for two years

  • Provides peace of mind during hazardous winter driving conditions

Vehicle Service Contract (VSC)

Partner with Auto Exam for comprehensive protection against:

  • Expensive repairs from winter-related wear and tear

  • Modern vehicle technology failures

  • Rising repair costs

  • Plus, enjoy additional benefits like roadside assistance and rental coverage

Why Choose PSCU for Your Winter Vehicle Loan?

  • Local decision-making from our Wausau team

  • Personalized service from experienced loan officers

  • Free vehicle value checks through JD Power

  • Competitive rates with flexible terms

Ready to Get Started?

Our loan officers, Bonnie and Kyle, are here to help you navigate your vehicle financing options. Contact us at (715) 842-9865 or apply online today. Remember to apply before you shop so you know exactly what you can afford when visiting dealerships.

Don't let winter weather delay your vehicle purchase. With PSCU's competitive rates and comprehensive protection options, you can drive confidently knowing you've made a smart financial choice for your all-weather Wisconsin ride.

Rates are subject to change at any time. For the most up-to-date information on rates and loan products, visit publicservicecu.org/rates or email loans@publicservicecu.org.

LoansKyle Turner