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Auto, Boat, RV and Motorcycle Loans

We won’t let a low credit score stop you in your tracks.

Apply Now

Whether you’re shopping at a dealership, buying from a private party, or looking to refinance your vehicle at a better interest rate, we can connect you with an affordable auto loan. And we’ve got options to fit your needs, whether you’ve got perfect credit or a low credit score.

Our loans empower you to find the horsepower of your dreams.

Get financing right at the dealership

We make it easy to find and finance a new car from a dealership.

Buy from a private party

Get financing when you purchase a used vehicle from a private party.

Refinance your vehicle

Refinance your existing auto loan and take advantage of our low rates and terms.

Get pre-approved before you shop

A Peninsula pre-approval lets you negotiate as if you have cash, and you have 45 days to shop.

Get added protection

We offer a Mechanical Breakdown Protection Plan, offering bumper-to-bumper protection.

Shop at home

Let Auto Solution do the shopping, comparing, screening and negotiating for you.

Helpful Details

Auto, Truck & Motorcycle Loans

Loan Type and Term**

APR*

Purchase / Refi***
Loan-to-Value

Model Year

New Auto, Truck & Motorcycle - 60 months

4.09%

125%

2013 & Newer

New Auto, Truck & Motorcycle - 72 months

4.79%

125%

2013 & Newer

New Auto, Truck & Motorcycle - 84 months

4.99%

125%

2013 & Newer

Used Auto, Truck & Motorcycle- 60 months

5.09%

125%

2012 & Older

Used Auto, Truck & Motorcycle- 72 months

5.79%

125%

2012 & Older

Used Auto, Truck & Motorcycle- 84 months

5.99%

125%

2012 & Older

Rates Effective August 6, 2018
Rates are subject to change without notice, except on loans presently in place and those with variable rates. Your actual rate and term will be determined according to how you’ve managed your credit.

Note to Interest Rates

(*) APR = Annual Percentage Rate. Rates are determined by applicant credit. Rates advertised may require a qualifying down payment and may not exceed established loan-to-value ratios for respective collateral.

(**) The actual term available is based on the amount you are borrowing. The maximum available terms of repayment are displayed. Contact a Loan Representative for additional details.

(***) Values based on NADA Retail, KBB Retail or MSRP or appraisal. Purchase transactions may finance up to 125% plus tax, license, warranty & GAP. See a Loan Representative for maximum allowable add ons. Refinances may finance up to 125% of value, plus GAP. All loans subject to underwriting and may require a down payment.

Private Party Purchases
Apply for a Peninsula Auto Loan online, and be ready with your financing when you make an offer to another private party.

APPLY ONLINE

 

Refinance Your Vehicle
If you have an existing auto loan, you may be able to save money by refinancing your loan with us at a lower interest rate.

APPLY ONLINE

Buy from a Dealership
You can get Peninsula Credit Union financing without visiting one of our branches—simply apply online then head to the dealership of your choice to find the car of your dreams.

SEARCH FOR CARS AND APPLY ONLINE

 

RV, Boat and Motorcycle Loans
We offer terms up to 144 months for boats, RVs and motorcycle, and 100% financing is also available.

APPLY ONLINE

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L.I.F.T. Auto Loans
L.I.F.T. Auto Loans provide Lower Interest For Timely payments. This loan is specifically for our members with challenged credit. That’s right—get rewarded for paying on time. We’ll reduce your interest rate by 1% APR for each 12-month period of on-time payments,up to 3% APR over the life of the loan.

Call us at 1.800.426.1601 to learn more about our L.I.F.T. Auto Loans.

Renew Auto Loans

frond logoDo you have a low credit score? We have an auto loan option that provides essential transportation for you and your family. If you’re worried that your credit issues may prevent you from qualifying for an auto loan, then our Renew Auto Loan might be a great option for you.

Call us at 1.800.426.1601 or stop by your closest branch to learn more about our Renew Auto Loans.

Life happens to us all. If you’ve gone through a rough time and are feeling financially unstable, our Second Chance products may be right for you. We offer a range of options, and together, we can create a plan that works best for you.

LEARN MORE ABOUT OUR SECOND CHANCE PRODUCTS »

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It Makes Errands Easy and Fun

“I love that I can come in, see my friends, do my banking and make my car payment all in the same location. It makes running errands not only easy, but really fun.”

I Picked The Kind of Car I Wanted

“For the first time in my life I picked the kind of car I wanted. In the past I went to a dealership that would charge me too much, and they would tell me what I could afford. With the help of Peninsula, I picked my own car.”

Auto Solution
Auto Solution is a service exclusively for credit union members. They make buying a car easy and painless by doing the shopping, screening and negotiating for you.

Visit the Auto Solution website to learn more, or call one of their representatives:
Bellevue—800.935.2886
Portland—800.207.2429
Edmonds—800.635.9717

FAQs and Tips

Auto Loan FAQs

150,000 for gas vehicles, and 200,000 for diesel
You can select the date that works the best for you when you start your loan.
We loan up to 84 months, but the loan amount has to be at least $25,000.

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Quick Tip

Choose the shortest loan term length you can afford.

As the prices of cars goes up, so have the available term lengths. One way to pay less money in interest over the length of the loan is to shorten the term.

GET MORE TIPS

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