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+ | 3.75% | 4.25% | 4.75% | 5.25% | 5.75% | 4.25% | 4.75% | 5.25% | 5.75% | 9.25% | 10.00% |
| 675-724 | 5.50% | 6.00% | 6.50% | 7.00% | 7.50% | 6.00% | 6.50% | 7.00% | 7.50% | 12.00% | 12.75% |
| 625-674 | 7.50% | 8.00% | 8.50% | 9.00% | 9.50% | 8.50% | 9.00% | 9.50% | 10.00% | 13.75% | 14.75% |
| 575-624 | 12.50% | 13.00% | 13.50% | – | – | 13.50% | 14.00% | 14.50% | – | 15.75% | 16.75% |
| 574 & Below | 13.75% | 14.25% | 14.75% | – | – | 14.75% | 15.25% | 15.75% | – | 16.75% | 16.75% |
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 3.75% APR for a 36-month term would result in a monthly payment of approximately $29.41 per $1,000 borrowed.
A loan with an APR of 5.75% APR for an 84-month term would result in a monthly payment of approximately $14.49 per $1,000 borrowed.
A loan with an APR of 7.50% for a 36-month term would result in a monthly payment of approximately $31.11 per $1,000 borrowed.
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