Complete Auto Loan Rates

All rates shown are APR*

2022 – 2020 Model Year Vehicle Rates 2019-2017 Model Year Vehicle Rates 2016-2013 2012 & 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+ 2.25% 2.75% 3.25% 3.75% 4.25% 3.25% 3.75% 4.25% 4.75% 6.99% 8.99%
675-724 3.25% 3.75% 4.25% 4.75% 5.25% 3.75% 4.25% 4.75% 5.25% 7.99% 9.99%
625-674 3.99% 4.50% 4.99% 4.75% 5.25% 5.75% 10.99% 11.99%
575-624 8.25% 8.75% 9.25% 9.25% 9.99% 10.75% 11.99% 12.99%
574 & Below 10.25% 10.75% 11.25% 11.25% 12.00% 13.00% 13.99% 14.99%

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 2.25% APR for a 36-month term would result in a monthly payment of approximately $28.75 per $1,000 borrowed.     
A loan with an APR of 4.25% APR for an 84-month term would result in a monthly payment of approximately $13.78 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. 

Estimate your payment – Loan Payment Calculator

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