Vehicle Loans

Experience the open road in your new ride with help from 3Rivers!

At 3Rivers, we know the value of your vehicle goes beyond the price tag. It helps you – and those you love – create lasting memories, on the road and beyond.

We’re here to help put you in the driver’s seat when it comes experiencing your life’s most memorable moments and adventures by making it simple to shop for, buy, and protect the vehicles that make them possible. Plus, you’ll enjoy 1% cash back up to $500!*

What are the benefits of purchasing your next vehicle with 3Rivers?

We combine all elements of the car buying service by offering:

  • Convenience: Our online and mobile buying process - with competitive rates on all our auto, truck, RV/camper, boat, and/or motorcycle loans - is available 24/7.
  • Protection: We give you the options for peace of mind with added protection plans, including MBP, GAP, Debt Protection, and DPW for your new vehicle.
  • Car Buying Service: We've partnered with the TrueCar car buying service, which helps you search for your new ride at the best price through a network of trusted dealers.
  • Easy Application: Our in-house underwriters provide a quick turnaround on loan processing and approvals. You can apply on the web, from your mobile device, or at your nearest branch.

SHOP       BUY       PROTECT

From start to finish, 3Rivers makes the auto buying process simple. When you’re ready for a new ride, we’re ready to help – onlinein person, and even on your phone.

We’re here for you, wherever life takes you.



Looking to Refinance Your Vehicle?

Refinancing your auto loan may be a smart move, given the right circumstances. For example, if interest rates have dropped, your credit score has improved, or you’ve experienced a financial setback since purchasing your vehicle, a refinance could mean more money each month to use toward other financial goals and priorities. Check out this blog post to learn more about when an auto loan refinance might be in your best interest.


*Offer valid on consumer-purpose new money vehicle loans including auto, truck, RV/camper, boat, motorcycle, ATV, personal watercraft, and/or snowmobile or refinances of same from another financial institution. If refinancing an existing 3Rivers loan, a minimum of $5,000 new money is required to get the cash back. Only new money is valid for the 1% cash back. Rebate will be credited to member within 30 days of loan disbursement. Loan must remain at 3Rivers for a minimum of 180 days or rebate amount will be added to the loan upon payoff. No other offers/discounts apply, including rate discounts. Minimum loan amount of $5,000. Maximum cash back of $500 per financed loan. 3Rivers reserves the right to amend, suspend, or discontinue offer at any time.
APR=Annual Percentage Rate. All rates advertised are based upon borrowers qualifications and loan amount.