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Get Ready for a New Ride

Auto Loans

We want to get you on the California roads with a hassle-free vehicle loan that allows you to enjoy your new vehicle or drive your current one with lower monthly car loan payments. For purchases and refinances, The Police Credit Union offers fixed, competitive auto loan rates plus a convenient online application that makes the process quick and easy.

Apply Now Request Video Appointment 

Not a member yet?

Click here to submit an application and take advantage of an auto loan with The Police Credit Union.

Features & Benefits

  • A 1% rate discount on used vehicles through our partnership with Enterprise Car Sales**
  • No payments for 90 days
  • Used auto rates same as new
  • .25% discount for enrollment in automatic payments
  • Low competitive rates on new, used and refinanced auto loans
  • Flexible repayment terms
  • Convenient payment options
  • Easy and secure online application process
  • GAP Insurance and Payment Protection are available
Auto Loans - New and Used
Rates Effective: January 1, 2021
TermLTV <=75% APR As Low As*LTV > 75% APR As Low As*
1-36 months2.14%2.39%
37-60 months2.29%2.54%
61-72 months2.59%2.84%
73-84 months3.14% $25k and over3.39% $25k and over

NEW AUTO: 2020 or newer (7,500 miles or less). 73-84 month loan term is only available for loans $25k and over.

USED AUTO: 2015 to 2020. 73-84 month loan term is only available for loans $25k & over.


Important Notes: * APR = Annual Percentage Rate. Example rate of 2.14% APR with 36 monthly payments = $28.71 per $1,000 borrowed, assumes .25% discount for enrollment in automatic payments and loan to value <=75% (fully indexed rate of 2.64%).+73-84 month New and Used Auto loan requires a minimum loan amount of $25,000. Rates quoted above assume excellent borrower history. Out-of-state vehicles may be acceptable on franchise dealer transactions only. Rates, terms and conditions are subject to change without notice.

Auto Loans - Early Model Autos 1999 - 2014
Rates Effective: January 1, 2021
TermAPR as low as*
1-36 Month4.99%
37-60 months5.49%
61-72 Months5.99%

*APR = Annual Percentage Rate. Rates quoted above assume excellent borrower history. Your actual APR may vary and will be determined when a credit decision is made, and may be higher than the lowest rate available. Lower credit quality and non-qualification for discounts may result in higher rates. There are no pre-payment penalties on early payoff of loans. Rates, terms, and conditions are subject to change without notice.

Financing may include purchase price, including tax, license, warranty, GAP, based on Low Blue Book.

**1% off current The Police Credit Union rate with a max loan term of 60 months. Current rate will vary based on credit worthiness and terms. Financing for qualified The Police Credit Union members. Not all buyers will qualify. Offer valid through 12/31/2020 and is subject to change without notice. This offer cannot be combined with any other offer. Used vehicles were previously part of the Enterprise rental fleet &/or an affiliated company’s lease fleet or purchased by Enterprise from sources including auto auctions, customer trade-ins or from other sources, with a possible previous use including rental, lease, transportation network company or other use.