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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

Preferred Start Auto Loan

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

  • Rates as low as 7.00% APR
  • 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

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. 7.00% APR for 72 months maximum term. Payments of $170.54 per $10,000 borrowed. Rate as of 3/2021. Terms and conditions subject to change without notice. APR = Annual Percentage Rate. 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.

Vehicle Loan Refinancing

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


  • Rates as low as 2.24% APR *
  • Financing up to 120% of NADA retail value available
  • 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 andterms of the loan. Your rate can be higher depending on credit performance. Rate subject to change withoutnotice. Auto loans currently financed through the credit union cannot be refinanced with this offer.Assuming a $10,000 loan amount, a 5-year term, and an 2.24% APR, you would make 60 monthly payments of$176.35. 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 received $100 Visa® gift card ***Interest accrues from date loan funds.

Model Year 2020 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!

Become a PCU Member

Preferred Credit Union is a full service financial institution helping to serve the needs of those who work and live in our community. As your Preferred Financial Partner, our goal is to provide great member service while helping you save time and money on the products and services you need.

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.