Auto Loans

Auto Loans

Accelerate to your goals

Having a new car is fun and exciting. It’s also a practical tool that can provide you a safe and reliable way to get where you need to go. At Pacific Crest, we’re ready to help you on the road to achieving your auto goals.

Dealer or private party

Pacific Crest can finance the purchase of your new car from a dealership or a private party.

New or used

Whether you want brand-new wheels or something a few years old, Pacific Crest can help.

100%+ financing

We can finance 100% or more, especially if you add GAP or Mechanical Breakdown Protection (MBP) coverage. To learn more, contact us.

Today’s rates

Auto Loans


Annual Percentage Rate

You may qualify for 3 months with no payments*

Rates Effective: January 15, 2023

Call or stop by your local branch for current account disclosures. The above rates include a 0.50% discount for having Recurring Automatic or ACH Payment Set-up.

The Annual Percentage Rate you receive for the above loans is based on certain credit-worthiness criteria. Your rate will be set at the time of each loan and will be disclosed on the loan agreement and disclosures. Rates are subject to change at any time. Terms and conditions apply and are subject to change. All loans are on approved credit.

Late Charges: If your minimum payment is received 15 or more days after the scheduled due date, you may be subject to a late charge of 5% of the delinquent amount with a minimum of $20.00.

* Qualification is based on creditworthiness. Finance charges will continue to accrue.

Up to 40 months

5.49% - 18.00%

41 to 52 months

5.79% - 18.00%

53 to 64 months

5.99% - 18.00%

65 to 76 months

6.49% - 18.00%

77 to 84 months

6.99% - 18.00%

Let's get started

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Notes from the trail

Pacific Crest Staff provided professional, respectful, knowledgeable, and efficient service for my auto loan. Thank you.

— Celeste, member since 2017

Map Your Route

First, get pre-approved. If you know exactly how much car you can afford, you can be more assertive about what you will and won’t accept.


Second, don’t negotiate on any car until you’ve had a chance to run an Edmunds true market value assessment on its make, model, year, and mileage. Research its Kelley Blue Book value too, so you can walk in fully informed. Refuse to accept any price above the car’s true value.


Be aware of the tricks of the trade. Dealers may try to tire you out by making you wait, confuse the issue by introducing figures you’re not familiar with, or ask you questions you’re not ready to answer. Take control of the conversation. If you’re not sure of what’s going on, don’t hesitate to go home. You can always come back the next day to try it again — on your terms.

It depends. When buying a car, be aware that the total amount you pay is not the same thing as the purchase price. The sticker price (or principal) is multiplied by the interest rate through the life of the loan. And your financing may assign different interest rates to different cars, depending on their age and condition. In some cases, it may actually cost less to buy a car with a higher sticker price
The moral is, don’t compare sticker prices without understanding how your interest rate will affect them. You may be comparing apples to oranges. Get pre-approved first, and take the time to understand your loan before you shop. Need help? We’re happy to answer questions.


We’re a credit union. We’re your community.

Pacific Crest isn’t just a bank. We’re a financial co-op owned by 16,000+ people in the Klamath Basin and surrounding rural communities. In 2018 alone, we returned a financial benefit of over $23 million to our home and yours — by reaching out, giving back, and paying it forward.

Reaching out & building partnerships

Reaching out

At Pacific Crest, we build partnerships and provide services designed to make a difference, while devoting hundreds of volunteer hours every year to good causes.

Community involvement »

Giving back & donating to community

Giving back

We search for organizations that are making a positive impact in our communities, whose work has a ripple effect, and put our dollars where it means the most.

Donations »

Paying it forward with scholarships

Paying it forward

To help deserving students make a difference, we offer four $1,000 annual scholarships inspired by board members who made a difference at Pacific Crest.

Scholarships »

What is it like to be a member at Pacific Crest?

Ready to set out?

Visit a branch.
Find a location
Apply online.
Apply Now

Disclosures financial calculators are provided as a free service to our users. The information supplied by these calculators is from sources and based on calculations that we believe to be reliable, but no guarantee, explicit or implied, is made regarding their accuracy or applicability to your specific circumstances. All examples are hypothetical and are for illustrative purposes, and are not intended to provide investment advice. Neither Pacific Crest Federal Credit Union nor accept any liability for loss or damage whatsoever, which may be attributable to the reliance on and use of the calculators. Use of any calculator shall constitute acceptance of the terms of this agreement. We urge you to consider finding a qualified professional for advice with regard to your personal finance issues.

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