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Get moving with a Business Auto Loan.

Drive toward your dreams with PCU's affordable auto loan rates for your single business vehicle or entire fleet.
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BUSINESS AUTO LOAN RATES

[1] APR=Annual Percentage Rate. [2] All vehicle models 4 years old and newer are considered new autos. [3] Payment example is based on a $15,000 loan. Minimum 20% down payment required on all business auto loans. All vehicle models 5 years old or older are considered used autos. Payment example is based on a $15,000 loan. Minimum 20% down payment required on all business auto loans

Rates as of: January 3, 2025
TERM
APR1 (as low as)
PAYMENT2 (MONTHLY)
TERM
0 - 60 Months
APR1 (as low as)
6.99%
PAYMENT2 (MONTHLY)
$297.00
Rates as of: March 5, 2025
TERM
APR1 (as low as)
PAYMENT3 (MONTHLY)
TERM
0 - 60 Months
APR1 (as low as)
7.39%
PAYMENT3 (MONTHLY)
$300.00

[1] APR=Annual Percentage Rate. [2] All vehicle models 4 years old and newer are considered new autos. [3] Payment example is based on a $15,000 loan. Minimum 20% down payment required on all business auto loans. All vehicle models 5 years old or older are considered used autos. Payment example is based on a $15,000 loan. Minimum 20% down payment required on all business auto loans

Start your Business Auto Loan application

Business Auto Loan Benefits

Few businesses can afford to buy commercial vehicles outright, but we're here to help your business grow. A Commercial Vehicle Loan from PCU offers competitive rates, flexible terms, and the ability to buy one or more vehicles with the same loan. Plus, you’ll get all the benefits of credit union membership.

Business woman with her new business vehicle.

Low, Fixed Rates

Our competitive rates make investing in your next vehicle an easy decision.

No Prepayment Penalties

Pay off your business loans early without prepayment penalty worries.

No Application Fee

Pay no application fee when you apply for a business auto loan with PCU.

New or Used

You can buy new or used vehicles, whichever suits your business needs.
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OUR BEST BUSINESS AUTO LOAN RATES

Free Commercial Auto Loan Calculator

Do you know how much your business can afford? It's essential to know your budget before you start shopping! Test different loan amounts, car loan interest rates, and loan terms to find the perfect payment for your business's budget.

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Refinance your existing Business Auto Loan.

When you own a business, every dollar counts! If you have an existing commercial auto loan or business loan with another lender, consider exploring your potential savings with PCU. You could get a lower rate and lower monthly payments.

If you are unsure if you would save money by bringing your existing business loans over to PCU, contact one of our business experts today for a free consultation. 

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Man driving car that he uses for his small business.
Construction truck used for a small business and purchased with a PCU business auto loan.

Guaranteed Asset Protection (GAP)

Vehicles can depreciate in value quickly—sometimes quicker than you can pay off the loan. This could leave you on the hook financially if your new vehicle is totaled or stolen and not recovered. Ensure you are covered by signing up for GAP.

Our MEMBER'S CHOICE® Guaranteed Asset Protection (GAP) Plus coverage includes $1,000 towards your down payment on a replacement vehicle when financed by PCU within 60 days after your primary insurance company issues a settlement check.

Be sure to ask about GAP when you apply for your PCU Business Auto Loan to learn how this coverage can protect your business.

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Extended Car Warranty Coverage

PCU's Mechanical Breakdown Protection (MBP) is a great extended car warranty option that protects you and your wallet from costly repairs and potential breakdowns beyond your existing manufacturer's car warranty. Benefits include:

  • Nationwide Coverage
  • 24-hour emergency roadside assistance
  • Rental car assistance
  • No-deductible plans available
  • Covers most out-of-pocket major repairs

Ask about our MBP extended car warranty coverage when you apply for your PCU Business Auto Loan.

Apply Now
Business woman driving in her vehicle she uses to run her small business.

What our members are saying:

"The customer service makes me want to transfer all of my banking here."

Gabrielle K. Member Since 2023

“Always great to see a familiar face and great service.”

Nina N. Member Since 2017

“As a Providence caregiver, I’m so proud to use the PCU services. Clearly the best credit union around – bar none. Well done to you all.”

Brad H. Member Since 2012

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DISCLOSURES
All loans subject to credit approval and membership eligibility. Certain credit criteria and restrictions apply. Qualifying rates may be based on a combination of your credit score, the term you select, and other normal lending criteria. Rates are subject to change without notice. For more information, please contact credit union.

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Providence Credit Union (PCU), Consolidated Community Credit Union (CCCU) and CCCU Cascade are all trade names or registered service marks of Consolidated Federal Credit Union. Although these branches have different names, they are all part of the same credit union; shares and deposits held at each office are not separately insured.

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