First vehicle, new vehicle, or fun toy? Or maybe refinancing an existing vehicle loan? With great low rates, PCMCU can help you clear the road ahead on your way to a car, truck, SUV, van, ATV/UTV, motorcycle, camper, RV, lawnmower, tractor, jet ski, snowmobile…. you name it.
Plus check out our current special for new consumer loans:
Offer applies to closed-end consumer loans only. Mortgage, home equity, Kwik Cash, balloon, and credit card loans are excluded. Membership eligibility required. Loan terms and conditions are based on credit qualifications and approval. $5,000 new money to PCM Credit Union required on secured consumer loans. $2,500 new money to PCM Credit Union required on unsecured consumer loans. First payment may be deferred up to 90 days on select loans. Finance charges begin accruing when loan is funded. Offer effective October 6, 2025. Rates, terms, and conditions are subject to change at any time, and this offer may end without notice. Please contact us to see if your loan qualifies.
PCMCU offers several options for vehicle loan coverage.
Extends vehicle warranty coverage to protect you from unexpected vehicle repairs. There are three protection plans available, with each containing nationwide protection. Protection is available on both new and pre-owned vehicles. Coverage is transferable if you sell the vehicle before the agreement expires.
A non-insurance product that covers the “gap” between the vehicle’s value and the amount you still owe, in an event your vehicle is involved in a major accident or is stolen. This could essentially help pay off most or all of your loan balance if your insurance company doesn’t pay the full claim. It will also pay up to $500 toward your deductible in the event of a claim on your auto insurance. It will cover any auto titled in your name. It will cover unlimited claims per year. Certain restrictions may apply.
Depreciation Protection kicks in if your vehicle is ever totaled or stolen and not recovered at anytime over the life of the loan. It waives some or all of your loan balance in the event of the total loss of your vehicle. The waiver benefit is equal to the difference between your vehicle’s MSRP or retail value at the time of DPW purchase, less the amount of your loan balance at the time of total loss. (The benefit cannot exceed the DPW addendum limit or your outstanding loan balance at the time of total loss.)
DPW is ideal for those who:
Protect yourself and your family when you borrow. There are two types of credit insurance available to you when you take out a loan at PCMCU. Please contact us for details, as some restrictions apply.
Credit Life Insurance
Credit Disability Insurance
We’ll give you reason to always consider PCMCU for your next auto loan. First let’s take a look at the national average for used vehicle loan interest rates based on credit score.
781-850
661-780
601-660
501-600
7.15%
9.39%
13.95
18.90%
$16.57
$18.22
$20.58
$23.32
At PCMCU, we offer rates well below the national average, with a simple no-surprises rate structure that allows you to be proactive as you research what is best for you.
735+
636-734
635 or <
4.99%
5.99%
6.99%
$16.10
$16.57
$17.05
That means that someone with a credit score of 740 would only pay 4.99% at PCMCU. That’s almost half the national average.
Wowza!
A credit score of 660 would only pay 5.99% at PCMCU. That’s 7.96% less than the national average.
Double Wowza!
A credit score of 600 would only pay 6.99% at PCMCU. That’s 11.91% less than the national average.
Triple Wowza!
Source: Nerdwallet Article September, 2025 “Average Car Loan Interest Rates” by Shannon Bradley. Data Reference: Experian Information Solutions, 2nd quarter 2025
Loan comparisons are based on PCMCU term of 72 months, subject to loan being fully secured with collateral value over $10,000. APR = Annual Percentage Rate. Click here for full rates or contact a PCMCU Lender for all rates and terms available. Applications subject to approval. Some restrictions may apply. Rates subject to change without notice. Membership eligibility required.