Vehicle Loan Rates
Rates Effective: August 9, 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 6.14% 6.39% 37-60 months 6.24% 6.49% 61-72 months 6.49% 6.74% 73-84 months 6.74% $25k and over 6.99% $25k and over 
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 6.14% APR with 36 monthly payments = $30.49 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.
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Auto Loans - Early Model Autos 2002-2017
Term APR As Low As* 1-36 Month 7.39% 37-60 months 7.69% 61-72 Months 8.19% *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.
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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 7.64% First Time Auto Buyer Loan 37-60 Months 7.94% *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.
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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% *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.
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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 + 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
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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!"
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!"
Lily S.
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