Complete Auto Loan Rates

All rates shown are APR*

2024 – 2022 Model Year Vehicle Rates 2021-2019 Model Year Vehicle Rates 2018-2015 2014 & 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% 4.99% 5.49% 4.25% 4.75% 5.25% 5.75% 7.99% 8.99%
675-724 5.25% 5.75% 6.25% 6.75% 6.99% 5.25% 5.75% 6.25% 6.75% 9.99% 10.99%
625-674 6.75% 7.25% 7.75% 8.25% 8.49% 7.75% 8.25% 8.75% 9.25% 12.99% 13.99%
575-624 11.25% 11.75% 12.25% 11.75% 12.25% 12.75% 13.99% 14.99%
574 & Below 12.75% 13.25% 13.75% 13.75% 14.25% 14.99% 15.99% 16.99%

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 5.49% APR for an 84-month term would result in a monthly payment of approximately $14.37 per $1,000 borrowed.
A loan with an APR of 8.99% for a 36-month term would result in a monthly payment of approximately $31.80 per $1,000 borrowed. 

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