Routing Number: 272480694

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Auto Loans

Auto Loans

Preferred Credit Union is your source for a loan on your next vehicle. We offer very competitive loan rates and terms with a variety of financing options to best fit your needs.

  • Low Monthly Payments
  • Zero Payments for 90 days
  • No Loan Processing Fees
  • Online eSign Closing available
  • Check out our Loan Rates

You never know what the future holds and accidents happen. Don’t forget to protect your investment with our protection options.

  • GAP Advantage™
  • PowerBuy™
  • Major Mechanical Protection (MMP)

To learn more Click Here

Preferred Start Auto Loan

Little to no credit? Preferred Start Auto Loan might be the loan for you!

  • Loan Rebate Benefit of 1.50% APR
  • Vehicle cannot be more than 10 years old and must have less than 100,000 miles
  • Must have at least one year on the job (college/trade school or same line of work)
  • Pre-Approved Visa Credit Card
  • Free Financial Counseling
  • Check out our Loan Rates

Program Requirements

  • Active Checking Account and Debit Card
  • Direct Deposit | E-Statments | E-Notices Required
  • Valid Email and mailing address
Loan Details

Must meet eligibility requirements. 10% Down. Maximum loan of $20,000.  72 months maximum term.  Terms and conditions subject to change without notice.  Must meet program requirements to receive Loan Rebate Benefit, no other discounts apply. Loan Rebate Benefit is posted end of month into your savings account. Restrictions Apply. Insured by the National Credit Union Administration.

Refinance a Vehicle Loan

Have you recently financed a vehicle elsewhere? Did you get the rate and term you wanted? Refinance your vehicle loan.  Get the payment and term you originally wanted by refinancing with us!

  • Click HERE for Current Rates*
  • Receive up to $100 Visa® gift card **
  • Defer your first payment up to 90 days ***
  • Online eSign Closing available
More Details

*The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan. Your rate can be higher depending on credit performance. Rate subject to change without notice. Auto loans currently financed through the credit union cannot be refinanced with this offer.  The minimum refinance loan amount is $5,000. The maximum loan amount is $100,000. **Loans $5,000-$7,499.99 receive $50 Visa® gift card and loans $7,500.00 and greater receive $100 Visa® gift card ***Interest accrues from date loan funds.

Model Year 2023 Fuel Economy Guide

When considering a purchase for a new vehicle, don’t just look at the color and options. You can also look at the fuel use by clicking here. The U.S. Department of Energy fuel economy guide can help you determine the annual fuel cost for your vehicle!

Auto Loan Payment Calculator

Enter the length of loan, rate, and either the payment or loan amount -
the other will be calculated for you.

Or optionally enter your monthly payment amount.