All rates shown are APR*
| 2026 – 2024 Model Year Vehicle Rates | 2023-2020 Model Year Vehicle Rates | 2019-2016 | 2015 & Older | ||||||||
| Credit Score | 3 Years | 4 Years | 5 Years | 6 Years | 7 Years | 3 Years | 4 Years | 5 Years | 6 Years | 3 Years | 3 Years** |
| 725+ | 4.00% | 4.50% | 5.00% | 5.50% | 6.00% | 4.50% | 5.00% | 5.50% | 6.00% | 9.50% | 10.25% |
| 675-724 | 5.75% | 6.25% | 6.75% | 7.25% | 7.75% | 6.25% | 6.75% | 7.25% | 7.75% | 12.25% | 13.00% |
| 625-674 | 7.75% | 8.25% | 8.75% | 9.25% | 9.75% | 8.75% | 9.25% | 9.75% | 10.25% | 14.00% | 15.00% |
| 575-624 | 12.75% | 13.25% | 13.75% | – | – | 13.75% | 14.25% | 14.75% | – | 16.00% | 17.00% |
| 574 & Below | 14.00% | 14.50% | 15.00% | – | – | 15.00% | 15.50% | 16.00% | – | 17.00% | 17.00% |
Rates are based on credit score and term of loan. Don’t know your credit score? As a member of PFCU, you can get FREE ongoing access to your credit score and credit report with SavvyMoney!
Standard PFCU guidelines apply.
72-84 month financing applies to loan amounts greater than $25,000. 84 month financing will require GAP Insurance.
**VEHICLE PURCHASES ONLY AND NADA VALUE MUST SUPPORT SALES PRICE. MAXIMUM TERM IS 3 YEARS.
Please note: Vehicle loans currently financed at Partnership Financial Credit Union are not eligible to refinance for the lower rate at Partnership Financial Credit Union.
*APR=Annual Percentage Rate
Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans are subject to approval.
Credit Financing Example:
A loan with an APR of 4.00% APR for a 36-month term would result in a monthly payment of approximately $29.52 per $1,000 borrowed.
A loan with an APR of 6.00% APR for an 84-month term would result in a monthly payment of approximately $14.61 per $1,000 borrowed.
A loan with an APR of 7.75% for a 36-month term would result in a monthly payment of approximately $31.22 per $1,000 borrowed.
Estimate your payment – Loan Payment Calculator
