Financial Peace of Mind
We take pride in processing your loans quickly and look forward to being your lending partner and providing you with financial peace of mind.
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Auto, Boat & RV Loans
Buying new wheels, trips, or, ahem, rings can be blissful
Some things are simply necessary in life. Your car breaks down, you need a new one. The Super Bowl is better viewed on a 52” screen than a 27” screen. There are no annual fees for any of our loans.
Whether you like the top down or up, black or red, cloth or leather, you decide. We’ll just make financing easy for you, so you can take all the time you need to make those hard decisions.
- Financing up to 100% of the loans
- Terms up to 72 months for new (Only available on 2012 - 2013 with less than 12,000 Miles)
- Terms up to 60 months for used
- Reduce auto loan rates by .25% with Relationship Discount Rewards*.
- Competitive rates
- No loan fees
- No prepayment penalties
- Low-cost payment protection plans available
- Automatic payment plans
- Special limited time - 90 days no payments**
That new car-feeling..there's nothing like it.
Our auto loan rates and end-of the-year car deals make this a great time to get that new-car feel you’ve been waiting for. With rates as low as 1.99% APR* and up to 100% financing, you’ll be able to enjoy your road trip even more this fall!
A chance to win a trip for 2 to Disneyland!±
Plus, from October 1 through December 31, 2013, every member who finances an auto loan with us will automatically be entered for a chance to win a trip for 2 to Disneyland! You’ll receive hotel accommodations for 3 days/2 nights and 2 one-day adult passes to Disneyland!
To apply click here.
*APR (ANNUAL PERCENTAGE RATE). The Credit Union offers various fixed rate loans listed in the loan Rate Schedule, provided to you upon request. All rates and terms are determined by Board of Directors and are subject to change at any time without notice. The rates are for 2003 and newer vehicles with terms up to 84 months. Rates may vary depending on the term and LTV. The 1.99% APR is for a 36-month term. All credit is subject to approval.
**Interest begins accruing upon disbursal of loan. Deferred payment available upon credit approval. Some restrictions apply.
±No purchase necessary to enter. Approximate retail value: $550. Prize includes the following: 2 adults 1-day pass to Disneyland® and 3-day/2-night hotel accommodations (listed in the 2013-2014 Get Away Today Vacation Planner brochure. Not valid at the Disneyland® Resort Properties). Accommodations and passes must be used by January 1, 2015 and may not be valid on peak season dates, on holidays and holiday weekends. Airfare and ground transportation not included. One entry per person and must be at least 18 years old and U.S. citizen. All prizes are non-transferable. One Disneyland Trip winner will be selected at the conclusion of the promotion. You may also send a 3” x 5” card with your name, address and daytime phone number to: Disneyland Trip for 2 Auto Promotion Giveaway, c/o Providence FCU, 6400 SE Lake Rd., Ste. 125, Milwaukie, OR 97222. Entries must be received no later than December 31, 2013. Drawing will be held on or about January 15, 2014. This drawing is subject to all applicable federal, state and local laws. No substitution or cash redemption will be made. Sponsor Administrator: Providence Federal Credit Union, 6400 SE Lake Rd., Ste. 125, Milwaukie, OR 97222. Employees of Providence Federal Credit Union, their family members and volunteers are not eligible. Winner will be notified by phone. If selected winner is ineligible or fails to claim the prize within thirty (30) days, an alternate winner will be selected. Winner is responsible for tax consequences. All decisions of PFCU are final and binding.
*Rates and terms vary with loan type, term of loan and are based on borrower's credit qualifications. Rate quotes for loans assume .25% "Relationship Discount". Members can qualify for the Relationship Discount with Direct Deposit of their net pay coming into their checking or savings account and agree to pay the loan by payroll payment or automatic transfer from a PFCU account. Ask one of our loan officers for details.
Auto Broker Service
We’ve partnered with an experienced auto buying guru to help make your shopping for a vehicle easy and hassle-free – all with the goal to help you save time and money.Auto Solution
An auto buying service for Providence Federal Credit Union members who are dedicated to the “go bye-bye” of any and all hassle and negativity of buying a vehicle. Thank goodness.
- Search for thousands of new, used and repossessed vehicles
- CarFax Vehicle History Service
- Kelley Blue Book Used Car Pricing
- New car invoice information
- Request information on current auto rebates
- Fastrax, an automotive news and review blog – a fresh insight to automotive news
- Learn how to buy a vehicle with their “Auto Buying 101” online classroom
Auto Solution does not charge any up-front fees and you pay only when you purchase a vehicle through them. Plus, they’ll even deliver your vehicle at any of our Credit Union locations for you to pick up or in some cases at your work! Can service get any better than this?
Click here to get started on your auto buying experience with Auto Solution.
NADA Value Guide
- We've partnered with NADAguides.com so you have access to the most respected and accurate vehicle pricing available on the market today.
- From new and used cars (even classic cars) to RVs, from boats to motorcycles you can access NADA values 24/7, to get the most current pricing, whether you’re buying, selling or just shopping.
GAP (Guaranteed Asset Protection)
As you know, the minute you drive a new car off the lot, its value decreases. Pretty much, it's not a new car anymore but you still owe the full value of your loan. Furthermore, having full collision and comprehensive coverage on your car doesn't necessarily mean it will be replaced at no cost to you if your vehicle is totaled. We don’t mean to put a damper on your brand new vehicle, but you could end up paying thousands of dollars because of the gap between the actual value of your car at the time of the accident and the amount you still owe on the loan.
- Unsuspecting car owners can be at a loss, literally, if their car is totaled or stolen.
- Guaranteed Asset Protection (GAP) can help bridge the GAP between the amount you owe on your loan and the amount your auto insurance company is willing to pay. It’s a low-cost protection for high-cost losses.
- You can sign up for GAP coverage when you apply for a loan. We’ll be happy to help you with all the details.
- There's no underwriting, no red tape, and no hassles.
- The amount can be rolled into your monthly loan payment.
Mechanical Breakdown Insurance (MBI)
- MBI covers certain repairs after the manufacturer’s warranty has expired.
- As your vehicle ages, it’s a great way to protect yourself against expensive repairs.
- Your vehicle may be repaired at any licensed repair facility in the United States or Canada with prior approval
- 60-Day Money Back Guarantee – As long as you haven’t filed a claim, you may cancel at anytime during the first 60 days and get 100% refund.
- 100% of the cost may be included in your Providence FCU auto loan
- MBI coverage is not required. If you wish, you can choose to add it at the time you purchase your vehicle.
Boat, RVs and Motorcycle
- Competitive rates with flexible terms (up to 120 months)
- No loan fees
- Quick loan decision
To apply for a mortgage loan, click here for our fast and easy online mortgage loan application.
For all other loans including auto loans, consumer loans, Visa Credit Cards, click here for our simple online loan application.
For 50 years, Providence Federal Credit Union has helped members just like you secure funds when needed. We offer a wide range of low-rate consumer loans to meet all your borrowing needs.