Auto Loans

Auto loan options for every ride and everyone.

New or used, purchase or refinance, PCU has affordable auto loan options for you. Plus, with options for first-time buyers and those looking to overcome previous credit challenges you can feel confident in your auto loan.

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New & Used Vehicles

A low, noteworthy rate on your auto loan.

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  • Financing up to 125%
  • Low, fixed rates
  • Pre-Approved Loan Draft makes shopping for a vehicle easy
  • 36-84 month terms
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First-Time Auto Loan

Sweet deals for your first ride.

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  • Low, fixed rates
  • 10% down payment with $1,000 minimum
  • Finance up to 90% LTV with a max of $15,000
  • Flexible terms up to 60 months
  • Autos with up to 100,000 miles accepted
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2nd Chance Auto Loan

A credit ding in the past? We can help.

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  • Finance up to 90% LTV with a max of $18,000
  • Autos with up to 100,000 miles accepted
  • Flexible terms up to 60 months
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GAP & Auto Advantage

GAP covers the difference between the actual cash value of your car and what you still owe on your loan in the event your car is stolen or declared totaled. With GAP from PCU you’ll be protected from having to come up with hundreds, even thousands of dollars to pay the gap between the cash value and the amount still owed.

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  • New Extended Coverage on Vehicles 
  • Personal ID Restoration Consulting  
  • Warranty Registration Service
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Rates

Account Type
Dividend Rate
APY*
Notes
Loan Type
APR*
Terms Up To
Notes
Autos (New 2022-2023)
Dividend Rate
APY*
4.70%
-
18.00%
Notes
Autos (New 2022-2023)
APY*
APR*
4.70%
-
18.00%
Terms Up To
Up to 84 Months
Notes
Autos (Used 2019-2023)
Dividend Rate
APY*
5.05%
-
18.00%
Notes
Autos (Used 2019-2023)
APY*
APR*
5.05%
-
18.00%
Terms Up To
Up to 84 Months
Notes
Autos (Used 2014-2018)
Dividend Rate
APY*
6.45%
-
18.00%
Notes
Autos (Used 2014-2018)
APY*
APR*
6.45%
-
18.00%
Terms Up To
Up to 72 Months
Notes

Resources

Disclosures