Auto | RV | Powersports

Vehicle Loans

Auto Loans

A loan that’s going places

Whether it’s a quick trip to the grocery store, or a cross country vacation, our affordable loans will provide you the wheels to get there.

Auto Loans

New or Used

  • Autopay rate discount
  • Preapprovals available to qualified applicants
  • Refinancing available
  • First time buyer program*
  • Check In Hand Program*
  • Mechanical breakdown protection*

RV and Boats

Terms up to 15 years

  • Motorhomes
  • Travel trailers
  • Boats of all types
  • Preapprovals available to qualified applicants
  • Refinancing available
  • Autopay rate discount

Powersports

Autopay Discount

  • Motorcycles / ATVs
  • Snowmobiles / Jet skis
  • Utility and Horse trailers
  • Preapprovals available to qualified applicants
  • Refinancing available

Estimate your monthly payment

Select the loan type and amount to borrow

Calculated payments shown above are for estimation purposes only. Actual APR is based on creditworthiness, terms of loan, and collateral. All Loans are subject to approval.

Today's rates

Auto Loans

Term

APR as low as

Rates Effective: June 1, 2023

You may qualify for 3 months with no payments. Qualification is based on creditworthiness. Finance charges will continue to accrue during no payment period. Call 888.810.1148 for more details.

 APR=Annual Percentage Rate. All Loans are subject to approval, actual APR is subject to change and is based on borrower’s creditworthiness, terms of loan, and collateral. Annual Percentage Rates include a 0.50% discount for automatic payments. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.

Estimated Monthly Payment Example: $403.69 a month based on a 84-month, $25,0000 loan at 8.99% APR.

40 months

5.49%

52 months

5.79%

64 months

5.99%

76 months

6.49%

84 months

6.99%

Recreational Vehicles and Boat Loans

Term

APR as low as

Rates Effective: June 1, 2023

APR=Annual Percentage Rate. All Loans are subject to approval, actual APR is subject to change and is based on borrower’s creditworthiness, terms of loan, and collateral. Annual Percentage Rates include a 0.50% discount for automatic payments. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.

Estimated Monthly Payment Example: $321.96 a month based on a 120-month, $25,000.00 loan at 9.29% APR.

64 months

6.79%

84 months

7.29%

120 months

8.29%

144 months

8.49%

180 months

9.29%

New Power Sports Loans

Term

APR as low as

Rates Effective: June 1, 2023

APR=Annual Percentage Rate. All Loans are subject to approval, actual APR is subject to change and is based on borrower’s creditworthiness, terms of loan, and collateral. Annual Percentage Rates include a 0.50% discount for automatic payments. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.

Estimated Monthly Payment Example: $416.72 a month based on a 84-month, $25,000.00 loan at 9.99% APR.

40 months

6.49%

64 months

8.49%

76 months

9.99%

84 months

10.99%

Used Power Sports Loans

Term

APR as low as

Rates Effective: June 1, 2023

APR=Annual Percentage Rate. All Loans are subject to approval, actual APR is subject to change and is based on borrower’s creditworthiness, terms of loan, and collateral. Annual Percentage Rates include a 0.50% discount for automatic payments. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.

Estimated Monthly Payment Example: $287.16 a month based on a 70-month, $15,000.00 loan at 10.29% APR.

28 months

6.99%

40 months

7.99%

52 months

8.99%

70 months

10.29%

Contact our team today

Notes from members

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

— Celeste, member since 2017

Frequently asked questions

First, apply for pre-approval.  With pre-approval, you will know exactly how much car you can afford.  Consider using the Check In Hand program, which allows you to shop like a cash buyer.

 

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.

No, you are not limited.  Our vehicle loans allow you to purchase from a dealership or a private party.

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.

With our Car On Order program, you can lock in an approved rate while your car is on order.  Don’t worry, if rates go down by the time your car arrives you’ll get the better rate.  Ask your loan consultant for complete details.

Disclosures

* Terms and conditions may apply. Call us for more details.

You are about to navigate away from Pacific Crest FCU’s website. Clicking on the link will take you to another website that is not operated by Pacific Crest Federal Credit Union. PCFCU is not responsible for the content of the third-party website or transactions between our members and the third-party website. The privacy & security policies of the third-party website may differ from Pacific Crest Federal Credit Union’s practices.

Cancel Accept