Get a 5 day/4 night Cruise Certificate for two when you finance an auto loan!
Minimum loan amount of $30,000 required to receive cruise certificate**
Qualified auto loans include New, Used and Refinances
(excludes internal refinances and cash-out refinances)
New auto rates as low as 5.59% APR*
We make financing easy.
Our streamlined process and loan officers get you in your next auto quickly and painlessly. Apply for your auto loan today!
Cruise Certificate FAQs
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When will I receive the Cruise Certificate?
Cruise certificates will be emailed to members who finance a qualified auto loan with The Police Credit Union starting June 2, 2025, while supplies last, 4 to 6 weeks after the end of the month. Please make sure to note the date on the Cruise Registration form, as you will have 45 days from that date to complete and return the form. Please also make sure to store the Certificate in a safe place.
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What's included in the cruise?
The Cruise Certificate entitles you and a guest (must be age 21 or accompanied by a parent/guardian), to a 5 Day/4 Night cruise to Mexico, the Bahamas, or the Western Caribbean aboard a Super-Liner Luxury Cruise Ship. Your vacation includes a beautiful interior stateroom (based on double occupancy), all onboard gourmet meals, buffets and snacks, 24 hour complimentary room service, dozens of exciting shipboard activities, a wide range of nightly entertainment, first run movies, and fabulous ports to visit and shop.
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What Cruise lines are available?
The cruise lines mainly used are Carnival and Royal Caribbean.
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Are there any additional costs that I am responsible for?
Certificate recipient is responsible for: 1) a one-time registration fee of $26 per person (Certificate is transferable prior to registration and during registration period), 2) port charges, taxes, customs and fulfillment fees of $46.60 per day/per person, 3) transportation to and from the port, 4) any applicable identification costs, 5) any applicable incidental/gratuity charges and/or fees.
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How do I start the process?
Each Certificate includes an issued date located on the Cruise Registration form portion of the Certificate. Within 45 days of that date you must complete and return the registration form via certified mail to Pacific Coast Travel - Certificate Division, 6715 Morro Road, Atascadero CA 93422 or you may email the registration form and completed credit card authorization form to Pacific Coast Travel at info@PCTcruises.com. You will receive your Cruise Sailing packet by mail or email from Pacific Coast Travel within 2-3 weeks. Once you have registered you can contact PCT, M-F (8:30 a.m. - 4:30 p.m. PST) at 805.462.9940.
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How long after I receive the Certificate do I have to take the cruise?
You have 18 months from the issue date located on the Cruise Registration form of the certificate to complete your cruise. Example: If you were issued the Certificate on March 31, 2016, you will have until September 30, 2017 to book and complete your cruise.
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What happens if I lose my certificate?
Unfortunately, the Certificate is not replaceable and non-refundable if lost, stolen, destroyed, or expired. Registration forms that have been altered or post-dated will invalidate the Certificate. We encourage you to store the Certificate in a safe place and return the registration form to PCT as soon as possible.
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What should I do it I haven’t received my cruise certificate yet?
Certificates will be emailed 4 to 6 weeks after the end of the month on which you financed your auto loan with the required loan amount. If you have not received your certificate within that timeframe, please make sure to check your spam folder. If you are still not able to find the cruise certificate in your email, please email marketing@thepolicecu.org with your full name and email address so we can check and confirm your cruise certificate.
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*APR = Annual Percentage Rate. Example new auto rate of 5.59% APR with 36 monthly payments = $30.24 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. New auto is defined as 2025 with no mileage requirement or 2024 with 7,500 miles or less.
**Limited time promotion. Cruise voucher promotion begins June 2, 2025, while supplies last. One (1) cruise voucher will be issued per qualified auto loan, up to a maximum of two (2) cruise vouchers per member while supplies last. Promotion can be discontinued or revised at any time at the discretion of The Police Credit Union. Cruise certificate promotion requires a new, used or refinance (excludes internal refinances and cash-out refinances) of an auto loan with a minimum loan amount of $30,000 to obtain the cruise certificate. Cruise certificates will be emailed to members who finance a qualified auto loan with The Police Credit Union starting June 2, 2025 while supplies last, 4 to 6 weeks after the end of the month. For frequently asked questions visit thepolicecu.org/cruisepromo. Cruise ship amenities will vary based upon selected cruise line, cruise ship and cruise itinerary. Cruise certificate recipient is responsible for port charges, taxes and fees. See cruise certificate for full details.
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