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Auto, Truck & Motorcycle Loans

Challenged credit? Perfect credit? Somewhere in-between? We’ve got options to fit your needs.


Whether you’re shopping at a dealership or buying from a private party, our loans empower you to find the horsepower of your dreams.

Shop your way

We make it easy to find and finance a new car from a dealership, or to get financing when you purchase a used vehicle from a private party. We can even help you do the shopping, comparing, screening and negotiating for you from the comfort of your home!

Get pre-approved before you shop

You don’t want any unpleasant surprises at the dealership. A Peninsula pre-approval lets you negotiate as if you have cash, and you have 45 days to shop.

Options for all credit scores

Our L.I.F.T and Renew auto loans are specifically designed for members with challenged credit. We offer a range of options, and together, we can create a plan that works best for you.

APR=Annual Percentage Rate. Calculated payments shown for estimation purposes only. Actual loan payment amount will be disclosed at loan closing and may differ. Your actual rate and term will be determined based on loan amount and according to how you’ve managed your credit. Current rates are available here and are subject to change without notice, except on loans presently in place and those with variable rates.

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 March 4, 2024

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.

Options for all credit scores

Life happens to us all. If you’ve gone through a rough time and are feeling financially unstable, we have auto loans options for you.

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.

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.

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.



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

Still looking for a ride?

Start your search online, and let our partners help find you a perfect-fit vehicle at a perfect-fit price.

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If you live, work, worship, or go to school in Kitsap, Mason, Jefferson, Clallam or Grays Harbor counties, or are a family member of a current member, you’re eligible to apply!

Questions about your membership eligibility? Give us a call at 800.426.1601 or send us an email.

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