{"id":2559,"date":"2025-03-11T17:43:06","date_gmt":"2025-03-12T00:43:06","guid":{"rendered":"https:\/\/www.pcfcu.org\/auto-loans\/refinance\/"},"modified":"2025-10-14T19:17:32","modified_gmt":"2025-10-15T02:17:32","slug":"refinanciar","status":"publish","type":"page","link":"https:\/\/www.pcfcu.org\/es\/auto-loans\/refinance\/","title":{"rendered":"Refinanciar"},"content":{"rendered":"
  1. Auto Loans<\/a>\n\t\t\t\t<\/polyline>\n\t\t\t<\/svg><\/li>
  2. Refinance<\/li><\/ol><\/div>\t
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    \n\t\t\t\t\t\t\n\t\tFern<\/title>\n\t\t\n\t\t<path 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transform=\"translate(-0.0649 -0.329)\" fill=\"#93a444\"\/>\n\t\t<\/svg>\n\t\t\t\t\t\t<div class=\"co-page_hero--text_inner\">\n\t\t\t\t\t\t\t\t\t\t\t\t<h1 class=\"co-page_hero--title\">\n\t\t\t\t\t\t\tAUTO, TRUCK & MOTORCYCLE LOAN REFINANCE\t\t\t\t\t\t<\/h1>\n\t\t\t\t\t\t<p class=\"co-page_hero--tagline\">Are you paying too much for your auto, truck, or motorcycle loan? We can help put more money in your pocket.<\/p>\t\t\t\t\t\t\t<div class=\"co-page_hero--buttons\">\n\t\t\t\t\t\t\t\t<a class=\"co-page_hero--button gtm-button\" href=\"https:\/\/www.pcfcu.org\/auto-loans\/refinance\/#apply\" >Apply now<\/a>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/header>\n<\/div><\/div>\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__page-intro\" ><div class=\"co-flex_row--row co-row\">\t<div class=\"co-page_intro\">\n\t\t<div class=\"co-page_intro--desc text-component\"><p>We want you to enjoy the ride, but that\u2019s hard to do if your loan payment is stressing you out. Let\u2019s see if we can fix that.<\/p>\n<\/div>\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row co-flex_row__sticky-nav\" ><div class=\"co-flex_row--row co-row\">\t<div class=\"co-sticky_nav_wrap is-active\" id=\"js-sticky_nav_wrap\">\n\t\t<nav\n\t\t\tclass=\"co-sticky_nav\"\n\t\t\tid=\"js-sticky_nav\"\n\t\t\taria-label=\"in page anchor navigation\"\n\t\t>\n\t\t\t<div class=\"co-sticky_nav--mobile\">\n\t\t\t\t<button\n\t\t\t\t\tclass=\"co-sticky_nav--toggle\"\n\t\t\t\t\tid=\"js-sticky_nav_toggle\"\n\t\t\t\t\taria-label=\"Open and close page menu\"\n\t\t\t\t>Page Menu<\/button>\n\t\t\t<\/div>\n\t\t\t<div\n\t\t\t\tclass=\"co-sticky_nav--row co-row\"\n\t\t\t\tid=\"js-sticky_nav_links\"\n\t\t\t>\n\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\thref=\"#rates\"\n\t\t\t\t\t\tclass=\"\n\t\t\t\t\t\t\tco-sticky_nav--link\n\t\t\t\t\t\t\tjs-sticky_nav_item\n\t\t\t\t\t\t\"\n\t\t\t\t\t\t\t\t\t\t\t>\n\t\t\t\t\t\tRates\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\thref=\"#faqs\"\n\t\t\t\t\t\tclass=\"\n\t\t\t\t\t\t\tco-sticky_nav--link\n\t\t\t\t\t\t\tjs-sticky_nav_item\n\t\t\t\t\t\t\"\n\t\t\t\t\t\t\t\t\t\t\t>\n\t\t\t\t\t\tFAQs\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\thref=\"#apply\"\n\t\t\t\t\t\tclass=\"\n\t\t\t\t\t\t\tco-sticky_nav--link\n\t\t\t\t\t\t\tjs-sticky_nav_item\n\t\t\t\t\t\t\"\n\t\t\t\t\t\t\t\t\t\t\t>\n\t\t\t\t\t\tApply Now\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/nav>\n\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__columns\" id=\"overview\"><div class=\"co-flex_row--row co-row\">\t<div class=\"co-columns\">\n\t\t\t\t\t<div class=\"co-columns--row prow prow-md:2 prow-lg:3 co-columns--row__no_media justify-center\">\n\t\t\t\t\t\t\t\t\t<div class=\"co-columns--box\">\n\t\t\t\t\t\t<h2 class=\"co-columns--box_headline\" >Lower your payment<\/h2><div class=\"co-columns--box_desc text-component\"><p>With our competitive rates, you may be able to lower your monthly payment. That means more money to enjoy the ride.<\/p>\n<\/div>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-columns--box\">\n\t\t\t\t\t\t<h2 class=\"co-columns--box_headline\" >Shorten your term<\/h2><div class=\"co-columns--box_desc text-component\"><p>If you want to pay off your loan sooner, we can work with you and your budget to see what\u2019s possible.<\/p>\n<\/div>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-columns--box\">\n\t\t\t\t\t\t<h2 class=\"co-columns--box_headline\" >Get friendly, personal service<\/h2><div class=\"co-columns--box_desc text-component\"><p>We\u2019re small enough to care and big enough to help. We pride ourselves on our caring member service.<\/p>\n<\/div>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__auto-loan-calculator\" ><div class=\"co-flex_row--row co-row\">\t\t<header class=\"co-intro_text has_intro\">\n\t\t\t<h2 class=\"co-intro_text--title\">Estimate your monthly vehicle loan payment<\/h2><div class=\"co-intro_text--intro text-component\"><p>Enter a total loan amount, your planned down payment, and your desired loan term to estimate your monthly payment.<\/p>\n<\/div>\t\t<\/header>\n\t\t\t<div class=\"co-pix_calc--wrapper\">\n\t\t<div\n\t\t\tclass=\"js-calc_wrapper co-pix_calc\"\n\t\t\tdata-name=\"acf\/auto-loan-calculator\"\n\t\t\t\t\t\t\tdata-tool_tips='{"tt_borrowed_amount":"Enter the total dollar amount you would like to borrow (typically, the purchase price of the vehicle).","tt_down_payment":"Enter the amount of money you plan to pay towards your vehicle at the time of purchase.","tt_loan_term":"This is the time period for which you will make monthly payments on the amount you borrow. Adjust the available terms to determine which monthly payment works best for you."}'\n\t\t\t\t\t\t\tdata-down_payment='{"default":"3000","minimum":"1000","maximum":"200000","error_message":"Please enter a total down payment between $1000 and $200000. These are the minimum and maximum down payment amounts we'll allow you to make for this loan."}'\n\t\t\t\t\t\t\tdata-borrowed_amount='{"default":"29000","minimum":"1000","maximum":"200000","error_message":"Please enter a total borrowed amount between $1000 and $200000. These are the minimum and maximum amounts we'll allow you to borrow for this loan."}'\n\t\t\t\t\t\t\tdata-term_unit='"months"'\n\t\t\t\t\t\t\tdata-term_options='[{"label":"60","value":"6.05--\\\/--60"},{"label":"72","value":"6.25--\\\/--72"},{"label":"84","value":"6.85--\\\/--84"}]'\n\t\t\t\t\t\t\tdata-term_options_default='{"label":"72","value":"6.25--\\\/--72"}'\n\t\t\t\t\t\t\tdata-cta='""'\n\t\t\t\t\t>\n\t\t<\/div>\n\t\t<div class=\"co-pix_calc--disclosures\">\n\t\t\t<p>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\u2019ve 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.<\/p>\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__long-form-text\" id=\"rates\"><div class=\"co-flex_row--row co-row\">\t<div class=\"co-long_form\">\n\t\t\t\t\t<div class=\"co-long_form--block co-long_form--block__nomedia prow items-center flex-center \">\n\t\t\t\t<div class=\"co-long_form--text pcol-md:8\">\n\t\t\t\t\t<div class=\"co-long_form--content text-component\"><div class=\"co-rates_table_wrap co-rates_table_wrap__products_list\">\n\t<table class=\"co-rates_table\">\n\t\t<caption class=\"co-rates_table_wrap--title\" id=\"autotruckmotorcycleloans\">\n\t\t\tAuto, Truck & Motorcycle Loans\t\t<\/caption>\n\t\t\t\t\t<thead>\n\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th\n\t\t\t\t\t\t\tclass=\"co-rates_table--heading\"\n\t\t\t\t\t\t\tscope=\"col\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Loan Type and Term**<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th\n\t\t\t\t\t\t\tclass=\"co-rates_table--heading\"\n\t\t\t\t\t\t\tscope=\"col\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>APR*<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th\n\t\t\t\t\t\t\tclass=\"co-rates_table--heading\"\n\t\t\t\t\t\t\tscope=\"col\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Purchase\/Refi*** Loan-to-Value<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th\n\t\t\t\t\t\t\tclass=\"co-rates_table--heading\"\n\t\t\t\t\t\t\tscope=\"col\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Maximum Term<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th\n\t\t\t\t\t\t\tclass=\"co-rates_table--heading\"\n\t\t\t\t\t\t\tscope=\"col\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Additional Terms<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t<\/thead>\n\t\t\t\t\t<tfoot>\n\t\t\t\t<tr>\n\t\t\t\t\t<td class=\"co-rates_table--foot_cell\" colspan=\"5\">\n\t\t\t\t\t\t<p>Rates effective as of Jan 2, 2026.<\/p>\n<p>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\u2019ve managed your credit.<\/p>\n<div class=\"page\" title=\"Page 1\">\n<div class=\"section\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<p>Note to Interest Rates<\/p>\n<p>(*) 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.<\/p>\n<p>(**) 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.<\/p>\n<p>(***) 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.<\/p>\n<p>(****) Rate determined by applicant credit. Prime rate is determined by the most recently published \u201cPrime Rate\u201d for corporate loans at large U.S. Money Commercial Banks as it appears in the Wall Street Journal under the heading \u201cMoney Rates\u201d on the first business day of the month immediately preceding the change date. Floor rate 7% APR, maximum rate 18% APR.<\/p>\n<p>(*****) Rate will vary with the market based on the Prime Rate.<\/p>\n<p>(******) Offered to members establishing or re-establishing their credit.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t<\/tfoot>\n\t\t\t\t\t<tbody>\n\t\t\t\t\t\t\t\t\t<tr class=\"co-rates_table--row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Loan Type and Term**<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>Auto & Truck<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>APR*<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>6.05%<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Purchase\/Refi*** Loan-to-Value<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>125%<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Maximum Term<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>60 months<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Additional Terms<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>Max mileage 150k \/ 200k Diesel<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t<tr class=\"co-rates_table--row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Loan Type and Term**<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>Auto & Truck<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>APR*<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>6.25%<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Purchase\/Refi*** Loan-to-Value<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>125%<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Maximum Term<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>72 months<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Additional Terms<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>Max mileage 150k \/ 200k Diesel<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t<tr class=\"co-rates_table--row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Loan Type and Term**<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>Auto & Truck<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>APR*<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>6.85%<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Purchase\/Refi*** Loan-to-Value<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>125%<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Maximum Term<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>84 months<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Additional Terms<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>Max mileage 150k \/ 200k Diesel<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t<tr class=\"co-rates_table--row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Loan Type and Term**<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>Motorcycles<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>APR*<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>6.05%<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Purchase\/Refi*** Loan-to-Value<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>125%<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Maximum Term<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>60 months<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Additional Terms<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t<tr class=\"co-rates_table--row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Loan Type and Term**<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>Motorcycles<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>APR*<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>6.25%<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Purchase\/Refi*** Loan-to-Value<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>125%<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Maximum Term<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>72 months<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Additional Terms<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>Max term 72 months for motorcycle financing<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<\/tbody>\n\t\t\t<\/table>\n<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__single-path-cta\" ><div class=\"co-flex_row--row co-row\">\t<div class=\"co-sp_cta\">\n\t\t<h2 class=\"co-sp_cta--headline\">Quick Tip<\/h2><div class=\"co-sp_cta--desc\"><p><strong>Choose the shortest loan term length you can afford.<\/strong><\/p>\n<p>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.<\/p>\n<\/div><a class=\"co-sp_cta--button gtm-button\" href=\"https:\/\/www.pcfcu.org\/tools-and-calculators\/#tips\" >Get more tips<\/a>\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__testimonial\" ><div class=\"co-flex_row--row co-row\">\t<div class=\"co-testis co-testis__no_image co-testis__brown has_intro\">\n\t\t\t\t<header class=\"co-intro_text\">\n\t\t\t<h2 class=\"co-intro_text--title\">Peninsula Makes Errands Easy and Fun<\/h2>\t\t<\/header>\n\t\t\t\t<div class=\"co-testi gap-y-lg:0 co-testi__no_image\">\n\t\t\t\t\t\t\t<img\n\t\t\t\t\tclass=\"co-testi--wood_image\"\n\t\t\t\t\tsrc=\"https:\/\/www.pcfcu.org\/wp-content\/themes\/peninsula-theme\/images\/wood-background.png\"\n\t\t\t\t\talt=\"wood\"\n\t\t\t\t\twidth=\"481\"\n\t\t\t\t\theight=\"475\"\n\t\t\t\t\tloading=\"lazy\"\n\t\t\t\t>\n\t\t\t\t\t\t\t\t\t<blockquote class=\"co-testi--quote co-testi--quote__center\">\n\t\t\t\t<div class=\"co-testi--quote_text text-component\">\n\t\t\t\t\t<p>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.<\/p>\n\t\t\t\t<\/div>\n\t\t\t\t<cite class=\"co-testi--attr\">\n\t\t\t\t\tTony, Shelton\t\t\t\t<\/cite>\n\t\t\t<\/blockquote>\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__faqs\" id=\"faqs\"><div class=\"co-flex_row--row co-row\">\t<section class=\"co-accords_section\" aria-label=\"Auto Loan FAQs\">\n\t\t\t\t<header class=\"co-intro_text\">\n\t\t\t<h2 class=\"co-intro_text--title\">Auto Loan FAQs<\/h2>\t\t<\/header>\n\t\t\t\t<div class=\"co-accordion\" data-animation=\"on\" data-multi-items=\"on\">\n\t\t\t\t\t\t\t<div class=\"co-accordion--item\">\n\t\t\t\t\t<button\n\t\t\t\t\t\t\t\t\t\t\t\t\tdata-accordid=\"2956\"\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"\n\t\t\t\t\t\t\tco-accordion--header\n\t\t\t\t\t\t\tjs-accord_toggle\n\t\t\t\t\t\t\tclosed\n\t\t\t\t\t\t\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<svg class=\"co-accordion--icon no-js:is-hidden\" viewBox=\"0 0 20 20\"><g class=\"icon__group\" fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"3\" y1=\"3\" x2=\"17\" y2=\"17\"><\/line><line x1=\"17\" y1=\"3\" x2=\"3\" y2=\"17\"><\/line><\/g><\/svg>\n\t\t\t\t\t\tWhat is the maximum allowed mileage a car can have to get a loan?\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"\n\t\t\t\t\t\tco-accordion--panel\n\t\t\t\t\t\tjs-accord_content\n\t\t\t\t\t\ttext-component\n\t\t\t\t\t\">\n\t\t\t\t\t\t<p>150,000 for gas vehicles, and 200,000 for diesel<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"co-accordion--item\">\n\t\t\t\t\t<button\n\t\t\t\t\t\t\t\t\t\t\t\t\tdata-accordid=\"2957\"\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"\n\t\t\t\t\t\t\tco-accordion--header\n\t\t\t\t\t\t\tjs-accord_toggle\n\t\t\t\t\t\t\tclosed\n\t\t\t\t\t\t\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<svg class=\"co-accordion--icon no-js:is-hidden\" viewBox=\"0 0 20 20\"><g class=\"icon__group\" fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"3\" y1=\"3\" x2=\"17\" y2=\"17\"><\/line><line x1=\"17\" y1=\"3\" x2=\"3\" y2=\"17\"><\/line><\/g><\/svg>\n\t\t\t\t\t\tWhen is my payment due?\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"\n\t\t\t\t\t\tco-accordion--panel\n\t\t\t\t\t\tjs-accord_content\n\t\t\t\t\t\ttext-component\n\t\t\t\t\t\">\n\t\t\t\t\t\t<p>You can select the date that works the best for you when you start your loan.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"co-accordion--item\">\n\t\t\t\t\t<button\n\t\t\t\t\t\t\t\t\t\t\t\t\tdata-accordid=\"2958\"\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"\n\t\t\t\t\t\t\tco-accordion--header\n\t\t\t\t\t\t\tjs-accord_toggle\n\t\t\t\t\t\t\tclosed\n\t\t\t\t\t\t\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<svg class=\"co-accordion--icon no-js:is-hidden\" viewBox=\"0 0 20 20\"><g class=\"icon__group\" fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"3\" y1=\"3\" x2=\"17\" y2=\"17\"><\/line><line x1=\"17\" y1=\"3\" x2=\"3\" y2=\"17\"><\/line><\/g><\/svg>\n\t\t\t\t\t\tHow long of a term can I have?\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"\n\t\t\t\t\t\tco-accordion--panel\n\t\t\t\t\t\tjs-accord_content\n\t\t\t\t\t\ttext-component\n\t\t\t\t\t\">\n\t\t\t\t\t\t<p>We loan up to 84 months, but the loan amount has to be at least $25,000.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t<\/section>\n<\/div><\/div>\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__multi-path-cta\" id=\"apply\"><div class=\"co-flex_row--row co-row\">\t<div class=\"co-mp_ctas\">\n\t\t\t\t<header class=\"co-intro_text\">\n\t\t\t<h2 class=\"co-intro_text--title\">Ready to refinance?<\/h2>\t\t<\/header>\n\t\t\t\t<div class=\"co-mp_ctas--list prow justify-center\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-mp_cta pcol-lg:4\">\n\t\t\t\t\t<div class=\"co-mp_cta--title\">\n\t\t\t\t\t\tAPPLY ONLINE\t\t\t\t\t<\/div>\n\t\t\t\t\t<a class=\"co-mp_cta--link gtm-button\" href=\"https:\/\/www.pcfcu.org\/es\/speed-bump\/?url=https%3A%2F%2Foriginate.pcfcu.org%2FKDaSWwPyjcFUGPP&prev=https%3A%2F%2Fwww.pcfcu.org%2Fes%2Fauto-loans%2Frefinance%2F\" target=\"_blank\" >Apply now<\/a>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-mp_cta pcol-lg:4\">\n\t\t\t\t\t<div class=\"co-mp_cta--title\">\n\t\t\t\t\t\tCall us\t\t\t\t\t<\/div>\n\t\t\t\t\t<a class=\"co-mp_cta--link gtm-button\" href=\"tel:18004261601\" >1.800.426.1601<\/a>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-mp_cta pcol-lg:4\">\n\t\t\t\t\t<div class=\"co-mp_cta--title\">\n\t\t\t\t\t\tHablamos Espa\u00f1ol\t\t\t\t\t<\/div>\n\t\t\t\t\t<a class=\"co-mp_cta--link gtm-button\" href=\"mailto:SpanishTeam@pcfcu.org\" >Env\u00edanos un mensaje<\/a>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row co-flex_row__last co-flex_row__back-to-top\" ><div class=\"co-flex_row--row co-row\"><div class=\"co-back_top\">\t\n <a class=\"co-back_top--link\" href=\"#\" aria-label=\"\">\n\tBack to top\t<svg class=\"co-back_top--link_icon\" viewBox=\"0 0 52 52\" role=\"img\" aria-label=\"Back to Top\">\n\t\t<use xlink:href=\"https:\/\/www.pcfcu.org\/wp-content\/themes\/peninsula-theme\/images\/sprite-icons.svg#back-top\" \/>\n\t<\/svg>\n <\/a>\n<\/div>\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":10,"featured_media":0,"parent":2556,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-2559","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Refinance - Peninsula CU<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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