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Join Us for Our Pre-Owned Car Sale (February 16 - March 16, 2024)

From February 16 - March 16, 2024 visit any California Enterprise Car Sales location and when you finance your new ride with The Police Credit Union, you'll receive a 1.00% APR discount for terms up to 72 months!*

*Terms and conditions apply.

Learn More

Vehicle Loan Rates

Rates Effective: February 1, 2024

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  • Auto Loans - New and Used
    Term LTV <=75% APR As Low As* LTV > 75% APR As Low As*
    1-36 months 6.34% 6.59%
    37-60 months 6.64% 6.89%
    61-72 months 6.89% 7.14%
    73-84 months 7.04% $25k and over 7.29% $25k and over
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    NEW AUTO: 2023 or newer (7,500 miles or less). 73-84 month loan term is only available for loans $25k and over.

    USED AUTO: 2018 to 2023. 73-84 month loan term is only available for loans $25k & over.

    1Important Notes: APR = Annual Percentage Rate. Example rate of 6.34% APR with 36 monthly payments = $30.58 per $1,000 borrowed, loan to value <=75%. +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. Maximum vehicle mileage = 175,000.

  • Auto Loans - Early Model Autos 2002-2017
    Term APR As Low As*
    1-36 Month 7.59%
    37-60 months 8.09%
    61-72 Months 8.59%
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    *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.

  • First Time Auto Buyer Loan
    Loan Terms & Conditions Term APR As Low As*
    First-Time Auto Buyer Loan Financing may include purchase price, tax, license, GAP, based on up to 90% of Blue Book. 1-36 Months 7.84%
    First Time Auto Buyer Loan   37-60 Months 8.14%
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    *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.

  • Motorcycle Loans
    Loan Terms & Conditions Term APR As Low As*
    New Motorcycles Financing may include purchase price (based on cash price), tax, license, warranty, & GAP. 1-36 months 7.14%
      Financing may include purchase price (based on cash price), tax, license, warranty, & GAP. 37-60 months 7.64%
    Used Motorcycles Financing may include purchase price (based on cash price), tax, license, warranty, & GAP. 1-36 Months 7.69%
      Financing may include purchase price (based on cash price), tax, license, warranty, & GAP. 37-60 Months 8.19%
    Horizontally scroll the table to see more

     

    *APR = Annual Percentage Rate. 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.

  • Sport and Recreational Vehicles
    Loan Terms & Conditions Term APR As Low As*
    New Boat/ Trailer 110% of purchase price. 1-60 months 7.94%
      110% of purchase price. 61-72 months 8.24%
      110% of purchase price. 73-84 months 8.74%
      110% of purchase price. 85-120 months 9.19%+ $35k & over
      110% of purchase price. 121-180 months 9.44%1 $50k & over
    Used Boat/ Trailer 100% of appraised value on private party, dealer transactions or refinance. 1-60 months 8.19%
      100% of appraised value on private party, dealer transactions or refinance. 61-72 months 8.49%
      100% of appraised value on private party, dealer transactions or refinance. 73-84 Months 8.99%
      100% of appraised value on private party, dealer transactions or refinance. 85-120 months 9.44%+ $35k & over
      100% of appraised value on private party, dealer transactions or refinance. 121-180 months 9.69%1 $50k & over
    New Motor Homes/ RVs 110% of purchase price. 1-60 months 7.64%
      110% of purchase price. 61-72 months 7.89%
      110% of purchase price. 73-84 months 8.04%
      110% of purchase price. 85-120 months 8.29%+ $35k & over
      110% of purchase price. 121-180 months 9.04%1 $50k & over
    Used Motor Homes/ RVs 100% of appraised value on private party, dealer transactions or refinance. 1-60 months 7.89%
      100% of appraised value on private party, dealer transactions or refinance. 61-72 months 8.14%
      100% of appraised value on private party, dealer transactions or refinance. 73-84 Months 8.29%
      100% of appraised value on private party, dealer transactions or refinance. 85-120 months 8.54%+ $35k & over
      100% of appraised value on private party, dealer transactions or refinance. 121-180 months 9.54%1 $50k & over
    New Travel Trailer/Jet Ski 110% of purchase price. 1-60 months 7.64%
      110% of purchase price. 61-72 months 7.89%
      110% of purchase price. 73-84 Months 8.14%
      110% of purchase price. 85-120 months 8.39%+ $35k & over
    Used Travel Trailer/Jet Ski 100% of appraised value on private party, dealer transactions or refinance. 1-60 months 7.89%
      100% of appraised value on private party, dealer transactions or refinance. 61-72 months 8.14%
      100% of appraised value on private party, dealer transactions or refinance. 73-84 months 8.39%
      100% of appraised value on private party, dealer transactions or refinance. 85-120 months 8.64%+ $35k & over
    Horizontally scroll the table to see more

     

    + Minimum Loan of $35,000 or higher.

    1 Minimum Loan of $50,000 or higher

    *APR = Annual Percentage Rate. 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. Apply for an The Police Credit Union Loan today through our online loan application or by calling The Police Credit Union at 800.222.1391. You also can visit one of our convenient branches. For recreational purposes only, not to be used for financing of a primary residence. Important Note - Recreational Vehicle Loans, for recreational purposes only and may not be used to finance a primary residence.- NEW BOAT/TRAILER: 110% of purchase price. USED BOAT/TRAILER: 100% of appraised value on private party, dealer transactions or refinance. NEW MOTOR HOMES/RVS: 110% of purchase price. USED MOTOR HOMES/RVS: 100% of appraised value on private party, dealer transactions or refinance. NEW TRAVEL TRAILER/JET SKI: 110% of purchase price. USED TRAVEL TRAILER/JET SKI: 100% of appraised value on private party, dealer transactions or refinance. Contact us for more details.

No Payments for 90 Days

Find the best deal that works for you

Why choose The Police Credit Union for your Auto Loan?

What our members are saying

"Nelly was a pleasure to work with for are personal loan and vehicle loan. Nelly went above and beyond making sure we received the best rate possible and made the process extremely easy to go through. With my crazy schedule working in law enforcement and my husbands schedule working at the hospital, Nelly stayed respectful and flexible with our time and even stayed late to make sure we could get everything done. It’s employees like this, that work for The Police Credit Union, is why my husband and I are members. We will definitely be staying as members and will continue to utilize The Police Credit Union services, knowing we can deal with educated, respectable employees. Thank you!"

An outline of a memo note with a pen writing.

Anthony K.

"I bought two cars and needed two car loans within about a month’s time. James at the San Bruno branch helped me finance both cars without any hassle. The process with James was so smooth and easy. James is also very friendly and professional. The credit union’s car loan rates were also very low and competitive. I (and my whole family) only have accounts with the SF Police credit union. I don’t trust other banks and have closed their accounts a long time ago. Thank you for your credit union! Please continue the excellent job!"

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Lily S.

We're Here to Help

The Police Credit Union Member Services Representative  in front of The Police Credit Union  logo
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Call us at 800.222.1391 or find a branch location, by clicking the button below.

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Virtual Branch Hours
Monday - Friday: 10:00 a.m. - 5:00 p.m. PST
Saturday: 9:00 a.m. - 12:00 p.m., 12:30 p.m. - 3:00 p.m. PST

*APR = Annual Percentage Rate. Example rate of 6.34% APR with 36 monthly payments = $30.58 per $1,000 borrowed, and loan to value <=75%. +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. Maximum vehicle mileage = 175,000. Lowest qualified rate assumes 1.00% off current The Police Credit Union rate with a max loan term of 72 months, and <=75% Loan-to-Value (LTV) for vehicles purchased February 16 – March 16, 2024 from Enterprise Car Sales and financed with The Police Credit Union. APR is based on evaluation of credit history, so your rate may differ. Pricing subject to change at any time. Rates, fees and terms are subject to change at any time, visit our website for current rates at www.thepolicecu.org. 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 net-work company or other use. All vehicle inventory is available by visiting enterprisecarsales.com or a dealership where a Sales Consultant can help you find vehicles available in our nationwide inventory. Delivery of vehicles outside local area may require transfer fee.

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You are leaving our website and linking to an alternative website not operated by us. The Credit Union does not endorse or guarantee the products, information, or recommendations provided by third-party vendors or third-party linked sites.

The Credit Union is not liable for any failure of products or services advertised on those sites. Each third-party site may have a privacy policy different than the Credit Union; and the linked third-party website may provide less security than the Credit Union's website. If you click "OK", an external website that is owned and operated by a third-party will be opened in a new browser window. If you click "CANCEL" you will be returned to our website.

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