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.
- Competitive rates
- Financing up to 125%
- Terms up to 84 months for new and used vehicles
- No loan fees
- 90-day No Payment Plan**
- Add Guaranteed Asset Protection (GAP) Advantage with PowerBuyTM to your auto loan
- Add Major Mechanical Protection (MMP) insurance to your auto loan
Calculate payment
Use our loan calculators to find out what your repayments might be in a few clicks.
CALCULATORS: 7 to get you on the road
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
Enterprise Car
at great prices.
Auto Mentors
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.
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Need more information?
Connect with a PFCU Member Consultant, by scheduling an appointment, video chat, email, or phone.
*APR (ANNUAL PERCENTAGE RATE). The Credit Union offers various fixed rate loans listed in the Loan Rate Schedule, provided to you upon request. Rates are effective as of 12/01/2023. All rates and terms are determined by Board of Directors and are subject to change without notice. Rates may vary depending on the term, loan-to-value, age of collateral, and your credit. All loans are subject to credit approval.
**Interest begins accruing upon disbursal of loan. Deferred payment available upon credit approval.