Auto Loans

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
 Tier A+Tier ATier BTier CTier D
Primary borrower credit score730+729-680679-640639-600≤ 599
Max TermAPR
844.24%5.24%6.84%NANA
723.39%4.39%6.79%NANA
602.73%3.73%5.93%7.18%21.00%
482.59%3.59%5.64%6.89%21.00%
362.49%3.49%4.89%6.74%21.00%
242.39%3.39%4.79%6.40%21.00%
Max Advance of MSRP105%105%100%100%100%

Apply Now

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 Resource Center, 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 2014 & Newer

 Tier A+Tier ATier BTier CTier D
Primary borrower credit score730+729-680679-640639-600≤ 599
Max TermAPR
723.49%5.19%7.09%NANA
602.74%3.84%6.09%8.06%21.00%
482.69%3.79%5.89%7.86%21.00%
362.59%3.69%5.39%7.76%21.00%
242.49%3.59%5.04%7.66%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%

Used Vehicle 2009 – 2013

 Tier A+Tier ATier BTier CTier D
Primary borrower credit score730+729-680679-640639-600≤ 599
Max TermAPR
726.09%7.69%9.59%NANA
605.34%6.34%8.59%10.56%21.00%
485.29%6.29%8.39%10.36%21.00%
365.19%6.19%7.89%10.26%21.00%
245.09%6.09%7.54%10.16%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%

Used Vehicle 2008 & Older

 Tier A+Tier ATier BTier CTier D
Primary borrower credit score730+729-680679-640639-600≤ 599
Max TermAPR
72NANANANANA
607.84%8.84%11.09%NANA
487.79%8.79%10.89%12.86%21.00%
367.69%8.69%10.39%12.76%21.00%
247.59%8.59%10.04%12.66%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%

Apply Now

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 Resource Center, or call your local PCCU branch.