Auto Loan Rate Check

Thinking about something new(er)? Just need something different? We’ll help you do it easily and affordably! Apply online today! You can also call or text us at 800-582-7228, we’ll run the numbers, get you pre-approved today and save you money over dealer financing!

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New Auto Loans

  • Terms for New Cars, Trucks, and Motorcycles up to 84 months, depending on credit.
  • Maximum Loan Amount of up to 105% of MSRP
  • No penalty for early payoff
  • We refinance auto loans from other lenders to save you money
  • Life and Disability Insurance available to most borrowers
  • GAP Insurance and Mechanical Repair Coverage are available to protect your investment
New Auto Loan RatesTier A+Tier ATier BTier CTier D
Primary borrower credit score730+729-680679-640639-600≤ 599
Max TermAPR
844.54%5.54%7.54%NANA
723.59%4.59%6.59%NANA
603.24%4.24%6.24%8.74%21.00%
483.19%4.19%6.19%8.69%21.00%
362.94%3.94%5.94%8.44%21.00%
242.89%3.89%5.89%8.39%21.00%
Max Advance of MSRP105%105%100%100%100%

Open a new Checking Account with initial $1,000 deposit or Direct Deposit and receive an additional .10% discount on your approved Auto Loan rate! Pricing is based on your credit score, and term of loan. Rates are subject to change.

To learn more about your credit score visit PCCU’s Financial Literacy Center powered by Banzai, or call your local PCCU branch.

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Used Auto Loans

  • Terms for Used Cars, Trucks, and Motorcycles up to 72 months, depending on credit and vehicle age
  • Maximum loan amount of up to 110% of NADA Retail Value, depending on credit and vehicle age
  • No penalty for early payoff
  • We refinance auto loans from other lenders to save you money
  • Life and Disability Insurance available to most borrowers
  • GAP Insurance and Mechanical Repair Coverage may be available to protect your investment
Used Auto Loan Rates - 2017 & NewerTier A+Tier ATier BTier CTier D
Primary borrower credit score730+729-680679-640639-600≤ 599
Max TermAPR
723.49%4.49%6.49%NANA
603.24%4.24%6.24%8.74%21.00%
483.19%4.19%6.19%8.69%21.00%
362.94%3.94%5.94%8.44%21.00%
242.89%3.89%5.89%8.39%21.00%
Auto: Max Advance of NADA Value - Retail110%110%100%95%90%
Motorcycle: NADA Value - Average w/Options110%110%110%NANA
Motorcycle: NADA Value - Average No OptionsNANANA85%85%

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Used Auto Loan Rates - 2013 - 2016Tier A+Tier ATier BTier CTier D
Primary borrower credit score730+729-680679-640639-600≤ 599
Max TermAPR
726.49%8.49%10.99%NANA
606.24%8.24%10.74%13.24%21.00%
486.19%8.19%10.69%13.19%21.00%
365.94%7.94%10.44%12.94%21.00%
245.89%7.89%10.39%12.89%21.00%
Auto: Max Advance of NADA Value - Retail100%100%100%NANA
Auto: Max Advance of NADA Value - LoanNANANA100%90%
Motorcycle: NADA Value - Average No Options110%110%110%NANA
Motorcycle: NADA Value - Average No OptionsNANANA85%85%

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Used Auto Loan Rates - 2012 & OlderTier A+Tier ATier BTier CTier D
Primary borrower credit score730+729-680679-640639-600≤ 599
Max TermAPR
609.24%10.74%13.24%NANA
489.19%10.69%13.19%15.69%21.00%
368.94%10.44%12.94%15.44%21.00%
248.89%10.39%12.89%15.39%21.00%
Auto: Max Advance of NADA Value - Loan100%100%100%90%85%
Motorcycle: NADA Value - Average No Options100%100%100%NANA
Motorcycle: NADA Value - Average No OptionsNANANA75%75%