Auto Loans

Auto Loans - Nice set of Wheels

“I’ve been telling all my coworkers how easy it was to buy my car through the credit union. Auto Mentors is also a great service. I totaled my car, and I was so stressed. I was glad not to have to stress about the new car!” – Laurali H.

Spring into Summer with a great low rate and cash in your pocket.

Receive 1% cash back up to $500.00± when you finance your loan from another lender. You'll enjoy our great rates, low payments, and more money in your pocket!     


That new car feeling…there’s nothing like it. With Providence Federal Credit Union by your side, buying new wheels, a boat or RV can be blissful. As a member, you’re part owner and one of the perks is lower auto loan rates than at a bank. Plus, there are no annual fees for any of our loans. It’s time to say “yes” to adventure and let that wind blow through your hair.

Auto & Motorcycle Loans (New OR Used)* 

  • Financing up to 125% of the loans
  • Terms up to 84 months for new**
  • Terms up to 72 months for used**
  • No payments for 90 days****
  • Competitive fixed rate loans
  • No loan application fee
  • Low-cost payment protection plans available
  • We offer Guaranteed Asst. Protection Plus (GAP Plus and Auto Deductible Reimbursement)

Boat, RV And Other Recreational Vehicle Loans**

  • Competitive rates 
  • Flexible terms (up to 144 months)**
  • No loan application fee
  • Quick loan decision

Auto Buying Service - Auto Mentors

Auto Mentors, our auto locator service, can help ease the stress and hassle of buying a vehicle. From the initial consultation to the vehicle delivery, you’ll be thrilled with the service. Plus, they can help you save hundreds or even thousands of dollars. They even take trade-ins! 

For more information, please contact Steve Uchida, Auto Mentors Personal Auto Shopper, at (503) 830-2280, or visit for more information.

Enterprise Car Sales

If you’re looking for a quality used vehicle, Enterprise Car Sales is a great option to explore. They offer more than 250 makes and models, all marked with their low, no-haggle pricing and have passed a rigorous inspection by an ASE-Certified technician.

NADA Value Guide

We've partnered with 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, and boats to motorcycles you can access NADA values 24/7, to get the most current pricing, whether you’re buying, selling or just shopping.

*You must be a member of Providence FCU to receive a loan. Loans are subject to credit approval. Rates are determined by an evaluation of applicant’s credit and may vary. Other restrictions may apply. Contact Credit Union for details.

**Payments on 60-month fixed rate loan at 3.84% Annual Percentage Rate would be $18.35/month per $1,000 borrower. Your rate is based on your credit history and may be higher. Rates and terms are subject to change. Estimated monthly payment example = $18.35 per $1,000 borrowed (payment example is based on 3.84% the lowest possible rate for a 60-month term). 

***For additional details on large RV loan rates, terms and qualifying model years, please view the Loan Rate Sheet.

****Interest begins accuring upon disbursal of loan. Deferred payment available upon credit approval. Some restrictions apply.

±Offer good for non-PFCU auto loans only. Cash incentive will be 1% of the loan proceeds up to a maximum of $500 per loan for car loans with refinanced balances of at least $5,000 or more and will be deposited into Savings account at closing. Member is responsible for all taxes related to bonus payments. Minimum loan amount $5,000, and a minimum term of 12 months. PFCU underwriting and processing guidelines apply. Loan must be transferred from another financial institution. The rate may vary depending on each individual’s credit history and underwriting factors. If you opt for our Match Rate program (matching a rate from your other lender), then you do not qualify for the 1% cash back offer. Special offer is effective April 15, 2019 to June 30, 2019.