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Auto Loans

Auto Loans

Set your dreams in motion
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Effective Date as of 07/01/2024

New Auto Loan


% APR*

as low as

Used Auto Loan


% APR*

as low as

Classic Auto Loan


% APR*

as low as

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Auto Loans

Low rates and flexible terms

If you are buying or refinancing a car, truck, SUV, or van, we offer low rates and flexible terms to help keep your payments affordable.

Calculate payment

Use our loan calculators to find out what your repayments might be in a few clicks.

Get pre-approved

Get pre-approved before you set foot in a dealer’s lot. Plus, the 30–day approval lock gives you plenty of time to find the vehicle that best fits your life.

Avoid the haggling

For many of us, the process of shopping for and purchasing a vehicle is more stressful than getting married! So say “I do” to Auto Link, Auto Mentors, or Enterprise Car Sales, our car buying services that let you research, price compare, and even virtually test drive your dream car – from the comfort of your own couch.

Auto Link

Shop online, on your time and enjoy negotiation-free guaranteed savings.

Enterprise Car

A variety of used makes and models
at great prices.

Auto Mentors

Personal auto shoppers help you buy the car you want with no haggling or stress.

Protect your vehicle loan

Life happens. Unexpected damage and costly repairs to your vehicle can have a serious impact on your finances. Get a step ahead of life’s surprises by covering your vehicle with GAP Advantage with PowerBuyTM and Major Mechanical Protection.

Guaranteed Asset Protection (GAP) Advantage with PowerBuy

Accidents happen. Get the coverage you need to protect your investment.

If your vehicle is declared a total loss after an accident or theft, it’s likely your insurance will fall short covering the full balance of your auto loan. This leaves you to pay off the remaining loan balance on a vehicle you can no longer drive—fortunately, we can help.

GAP Advantage with PowerBuy can pay up to the remaining balance of your auto loan after an insurance payout, protecting you from financial loss. Unlike traditional GAP, this program has the added benefit of providing you with a set allowance toward financing a replacement vehicle with us—getting you back on the road!

Give yourself peace of mind with coverage that will protect your vehicle investment. Speak to one of our representatives to find out how you can add GAP Advantage with PowerBuy to your next or existing auto loan.

Call our loan officers at (503) 215-6090 or toll-free at (888) 849-5189 for complete details. Protect yourself from the unexpected.

Major Mechanical Protection (MPP)

Drive further with MMP

Vehicle repairs can be expensive – even the smallest repair can cost hundreds, even thousands, of dollars. While most new vehicles are covered by a manufacturer’s warranty, that coverage won’t last forever, and most used vehicles aren’t covered by any type of warranty. Major Mechanical Protection (MMP) can help cover the expenses of unexpected vehicle repairs and protect your budget from high out-of-pocket expenses. Even the most dependable vehicles can experience significant repair costs.

MMP Coverage* Features and Benefits:

  • Affordable coverage that can usually be added to your loan, with low monthly payments: Choose a term, mileage limit, and deductible that fits your budget
  • Can be used at most licensed repair facilities
  • Fully transferable to a new owner if you sell your car
  • May increase resale value of your vehicle by helping you keep your vehicle in top condition
  • Safety and convenience while on the road:  24-hour roadside assistance; Rental car reimbursement; Trip interruption reimbursement; Lost key, lockout, and emergency tire repair

By adding MMP, you can gain peace of mind knowing you’re protected for the road ahead.

Please contact our loan department at (503) 215-6090 or toll-free at (888) 849-5189 for details.

*Your purchase of a Major Mechanical Protection contract is optional. Plans are available for most new and used domestic and imported vehicles. Speak to your service representative for vehicle eligibility criteria and more details. Major Mechanical Protection is considered insurance coverage in some states. © 2019 SWBC. All rights reserved. 9040-409 rev0914

Frequently Asked Questions

Yes! We strive to provide the financial assistance you need despite less than perfect credit history.

For more information, please visit our Auto Loans page or apply today!

You can also check out our free financial counseling through GreenPath Financial Wellness.

View our current Auto Loan rates on the Rates page of our website.

For more information, please visit our Auto Loans page or apply today!

You can refinance your auto loan using our Online Application.  

Yes! You can apply for pre-approval today.

You can also check out our Auto Link page for help searching for cars.

We require that our members have full coverage on any vehicle in which Providence Federal Credit Union is the lien holder. If you switch insurance, please remember to send in a new proof of insurance. If insurance lapses, you may be subject to force-placed insurance and any costs associated with it.

For more information, please visit our Insurance page or get your free quote today!

No! We finance both private and dealership sales. For more information on auto loans, visit the Auto Loans page of our website.

You can check on the status of your application by clicking the “Check Application Status” link at the very top of our website header, which takes you to this link.

Loan approval takes between 24 and 48 hours. 

Yes. We do offer Motorcycle Loans!

For more information visit the Recreation Vehicle Loans page of our website.

This was the fastest request to funding I have ever seen. Seriously like 45 minutes! 

skylynn w.  | Member SINCE 2002
<strong>skylynn w. </strong>

Need more information?

Connect with a PFCU Member Consultant, by scheduling an appointment, video chat, email, or phone.