Get where you’re going
Whether you’re buying your dream car or lowering your monthly payment, we’ll find you the right financing to get on the road.
Options for every drive
Refinance
Car Buying Service
Mechanical Repair Coverage
Guaranteed Asset Protection
Rates at a Glance
| Product | Rate | Details | |
|---|---|---|---|
| New auto | As low as 4.24% APR | Terms up to 84 months | View Rates |
| Used auto | As low as 4.89% APR | Terms up to 84 months | View Rates |
| Motorcycles | As low as 7.54% APR |
Same rate for new and used with terms up to 72 months | View Rates |
| RVs and Boats | As low as 7.24% APR |
Same rate for new and used with terms up to 144 months | View Rates |
| Refinance | As low as 4.24% APR | Competitive, low rate options | View Rates |
APR = Annual percentage rate. Rates and terms as of October 15, 2026 and are subject to change.
See below for details.
Annual percentage rates (APR) as of October 15, 2026 and are subject to change without notice. Collateral protection insurance is required to obtain any secured loan. Must be 18 or older to apply. Loans subject to all credit union policies and procedures. For current information, please call a member service representative at (888) 858-6878.
Vehicle loans
Maximum terms vary based on collateral and loan amount. New auto rate applies to vehicles with less than 7,500 miles which have not been previously registered and are in the current or previous model year. All other vehicles subject to used car pricing. Quoted rate assumes a 0.25% APR discount for borrowers who maintain an automatic payment from their Pacific Service Credit Union checking account. Cash out refinances allowed on vehicles with less than 100,000 miles and less than ten model years old. Call for details. Additional terms: Rate, maximum term, maximum loan amount and advance amount based on credit qualifications and eligible collateral. Credit union reserves the right to determine collateral value of vehicles based on industry recognized guides or full appraisal. Financing is available for manufacturer franchise dealers only. Rate increases by 2.00% APR for vehicles with 150,001 to 200,000 miles and/or are 11 model years old or older. Representative example: Pay $29.63 per month per $1,000 borrowed for 36 months at 4.24% APR.