X Peninsula CU App Icon Peninsula CU App Icon Install App Install App
Refinance Your Loan with Peninsula Federal Credit Union

Auto, Truck & Motorcycle Loan Refinance

Are you paying too much for your auto, truck, or motorcycle loan? We can help put more money in your pocket.


We want you to enjoy the ride, but that’s hard to do if your loan payment is stressing you out. Let’s see if we can fix that.

Lower your payment

With our competitive rates, you may be able to lower your monthly payment. That means more money to enjoy the ride.

Shorten your term

If you want to pay off your loan sooner, we can work with you and your budget to see what’s possible.

Get friendly, personal service

We’re small enough to care and big enough to help. We pride ourselves on our caring member service.

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.

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.



Peninsula 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 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.

Ready to refinance?

Apply online
Call us
Hablamos Español
Envíanos un mensaje

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