Smiling man in the front seat of a car

Auto, Truck & Motorcycle Loans

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

(Recommended browsers: Microsoft Edge or Google Chrome) Buying from a Dealership
Private Party or Refinance

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 Repair Coverage Plan, offering bumper-to-bumper protection.

Shop at home

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

Auto, Truck & Motorcycle Loans

Auto, Truck & Motorcycle Loans

Loan Type and Term**


Purchase / Refi***

Maximum Term

Additional Terms

Auto & Truck



60 month

Max mileage 150k / 200k Diesel

Auto & Truck 



72 month

Max mileage 150k / 200k Diesel

Auto & Truck



84 months

Max mileage 150k / 200k Diesel




60 months




72 months

Max term 72 months for motorcycle financing

Rates effective as of April 1, 2022

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 and vehicle mileage. 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 MRC for additional details.

(***) Values based on New or Used JD Power (NADA) Retail, KBB Retail, MSRP or appraisal. Auto purchase and refinance transactions may finance up to 130% plus tax, license, warranty & GAP. See a MRC for maximum allowable add-ons. All loans subject to underwriting and may require a down payment.

(****) Rate determined by applicant credit. Prime rate is determined by the most recently published “Prime Rate” for corporate loans at large U.S. Money Commercial Banks as it appears in the Wall Street Journal under the heading “Money Rates” on the first business day of the month immediately preceding the change date. Floor rate 7% APR, maximum rate 18% APR.

(*****) Rate will vary with the market based on the Prime Rate.

(******) Offered to members establishing or re-establishing their credit.


frond logo

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.

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.


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.


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.


Proof of Insurance
Already have an auto loan? Quickly provide proof of insurance, check the status of your insurance or view insurance history.



Renew Auto Loans

Do 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.

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.

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

Learn more about our other Second Chance products


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:

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.

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.


man at desk

Ready to finance a car?

You are now leaving Peninsula Credit Union’s website. 

You are about to navigate away from Peninsula CU’s website. Clicking on the link will take you to another website that is not operated by Peninsula Credit Union. PCFCU is not responsible for the content of the third-party website or transactions between our members and the third-party website. The privacy & security policies of the third-party website may differ from Peninsula Credit Union’s practices.

Cancel Accept