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 Rates | Tier A+ | Tier A | Tier B | Tier C | Tier D |
|---|---|---|---|---|---|
| Primary borrower credit score | 730+ | 729-680 | 679-640 | 639-600 | ≤ 599 |
| Max Term | APR | ||||
| 84 | 4.54% | 5.54% | 7.54% | NA | NA |
| 72 | 3.59% | 4.59% | 6.59% | NA | NA |
| 60 | 3.24% | 4.24% | 6.24% | 8.74% | 21.00% |
| 48 | 3.19% | 4.19% | 6.19% | 8.69% | 21.00% |
| 36 | 2.94% | 3.94% | 5.94% | 8.44% | 21.00% |
| 24 | 2.89% | 3.89% | 5.89% | 8.39% | 21.00% |
| Max Advance of MSRP | 105% | 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.
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 Vehicle 2017 & Newer
| Used Auto Loan Rates - 2017 & Newer | Tier A+ | Tier A | Tier B | Tier C | Tier D |
|---|---|---|---|---|---|
| Primary borrower credit score | 730+ | 729-680 | 679-640 | 639-600 | ≤ 599 |
| Max Term | APR | ||||
| 72 | 3.49% | 4.49% | 6.49% | NA | NA |
| 60 | 3.24% | 4.24% | 6.24% | 8.74% | 21.00% |
| 48 | 3.19% | 4.19% | 6.19% | 8.69% | 21.00% |
| 36 | 2.94% | 3.94% | 5.94% | 8.44% | 21.00% |
| 24 | 2.89% | 3.89% | 5.89% | 8.39% | 21.00% |
| Auto: Max Advance of NADA Value - Retail | 110% | 110% | 100% | 95% | 90% |
| Motorcycle: NADA Value - Average w/Options | 110% | 110% | 110% | NA | NA |
| Motorcycle: NADA Value - Average No Options | NA | NA | NA | 85% | 85% |
Used Vehicle 2013 – 2016
| Used Auto Loan Rates - 2013 - 2016 | Tier A+ | Tier A | Tier B | Tier C | Tier D |
|---|---|---|---|---|---|
| Primary borrower credit score | 730+ | 729-680 | 679-640 | 639-600 | ≤ 599 |
| Max Term | APR | ||||
| 72 | 6.49% | 8.49% | 10.99% | NA | NA |
| 60 | 6.24% | 8.24% | 10.74% | 13.24% | 21.00% |
| 48 | 6.19% | 8.19% | 10.69% | 13.19% | 21.00% |
| 36 | 5.94% | 7.94% | 10.44% | 12.94% | 21.00% |
| 24 | 5.89% | 7.89% | 10.39% | 12.89% | 21.00% |
| Auto: Max Advance of NADA Value - Retail | 100% | 100% | 100% | NA | NA |
| Auto: Max Advance of NADA Value - Loan | NA | NA | NA | 100% | 90% |
| Motorcycle: NADA Value - Average No Options | 110% | 110% | 110% | NA | NA |
| Motorcycle: NADA Value - Average No Options | NA | NA | NA | 85% | 85% |
Used Vehicle 2012 & Older
| Used Auto Loan Rates - 2012 & Older | Tier A+ | Tier A | Tier B | Tier C | Tier D |
|---|---|---|---|---|---|
| Primary borrower credit score | 730+ | 729-680 | 679-640 | 639-600 | ≤ 599 |
| Max Term | APR | ||||
| 60 | 9.24% | 10.74% | 13.24% | NA | NA |
| 48 | 9.19% | 10.69% | 13.19% | 15.69% | 21.00% |
| 36 | 8.94% | 10.44% | 12.94% | 15.44% | 21.00% |
| 24 | 8.89% | 10.39% | 12.89% | 15.39% | 21.00% |
| Auto: Max Advance of NADA Value - Loan | 100% | 100% | 100% | 90% | 85% |
| Motorcycle: NADA Value - Average No Options | 100% | 100% | 100% | NA | NA |
| Motorcycle: NADA Value - Average No Options | NA | NA | NA | 75% | 75% |
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.