FULL JUMBO (1800) XXXL (1620) XXL (1496) XL (1280) LG (960) MD (840) SM (600) XS (480)
Welcome to Opportunity

Vehicle Loans

(570) 823–6836

Auto Loans

The road ahead looks bright.

Whether you’re refinancing your current auto loan from another lender or shopping for that dream car, Cross Valley removes the stress of it all. With some of the lowest rates in the area and a simple application process, you’ll arrive ready for anything.

Let’s pave the way to your next vehicle with an auto loan to fit your budget.

Apply now

Go where you need to go, on us.

New or used vehicle 2023-20241-60 months6.49%
New or used vehicle 2023-202461-72 months6.59%
New or used vehicle 2021-20221-48 months6.74%
New or used vehicle 2021-202249-60 months6.99%

We’ve got plenty of other rates and terms available.

Boat & RV Loans

Your next adventure is calling. Ready to answer?

With more to explore in and around Pennsylvania than most can even map out, Cross Valley can get you the boat or RV of your dreams with competitive rates and totally on your terms. Wakeboarding on Lake Wallenpaupack? Hope you brought your sunscreen! Cross country trip with the family to Yosemite? Pack your bags.

  • APR¹ starting at 6.90%
  • Up to 100% of MSRP or NADA retail value
  • Simple and easy online application 
  • Loan pre-approval
  • Refinancing and lease buyout options

Start your adventure

New boat (2023-2024)1-72 months6.90%
Used boat (2012-2021)1-72 months7.15%
New RV (2023-2024)1-60 months7.00%
Used RV (2021-2022)1-60 months7.25%

We’ve got plenty of other rates and terms available.

Auto Loan Pre-Approval

Get ahead of the curve.

Pre-approval gets you in the driver seat quickly.

Looking for a new or used vehicle? You may be able to afford more than you ever imagined, but you won’t know until you run the numbers. In comes a pre-approval from Cross Valley.

Our pre-approval puts you in the driver’s seat by determining your maximum borrowing amount before you ever set foot on a dealership lot. Now you can breeze around knowing exactly what rides are within reach, without worrying whether financing will stall out.

Contact us for pre-approval

Let’s Talk About…

Leasing vs. Buying

When you lease a car, you’re essentially renting it for a specific period, usually a few years. At the end of the lease, you can either return the car or buy it at a predetermined price.

Buying a car involves paying for the entire cost, either upfront or through financing. Once you own it, it’s yours.

Apply today

Let’s Talk About…

Debt Protection

Just like the highway, life is filled with curves. Protect yourself from delinquency, default or foreclosure during the life of your auto loan with Cross Valley Debt Protection. Once you’re enrolled, we’ll cancel or reduce the repayment of your loan debt if you lose your life, become disabled, or in the case of involuntary unemployment.

Discuss this added protection with your lending agent when you apply.

Apply today

Guaranteed Asset Protection (GAP+)

Bumpy rides happen. GAP takes the edge off.

Fender benders (or worse) scramble plans. But our Guaranteed Asset Protection (GAP) cushions you when accidents total your wheels before your loan’s paid off. This optional, add-on coverage helps cover the gap between the amount still owed on the vehicle and its actual cash value.

Our GAP+ then takes things further—reducing or eliminating those out-of-pocket repair and replacement costs that ding your budget. GAP Plus also smooths the way to your next vehicle, lowering your loan principal here when bad luck strikes. So you keep cruising along without financial strain.

Discuss this added protection with your lending agent when you apply.

Apply for a vehicle loan

Be ready for anything.


APR=Annual Percentage Rate. APRs are as low as the rates advertised above. Rates are for qualified borrowers who meet certain credit criteria. Rates and terms subject to change without notice. Membership requirements apply. Other rates and terms available. Contact the credit union for full loan details.


The insurance offered is not a deposit and is not federally insured by NCUA. The insurance is not guaranteed by the credit union nor an obligation of the credit union. The insurance may lose value.