We offer up to 130% financing and the option to skip your loan payment.
The Choice is Yours
Auto Loans
Enjoy low rates for new and used cars, with terms up to 84 months.
Motorcycles
Enjoy the same low rate for new and used motorcycles, with terms up to 72 months.
RVs
Enjoy the same low rate for new and used RVs, with terms up to 144 months.
Boats
Enjoy the same low rate for new and used boats, with terms up to 144 months.
Car Buying Service
Our free online service is designed to make your car buying experience easy and hassle-free. You can build a new car online, shop thousands of used cars and receive significant savings off MSRP.
Safeguard Against the Unexpected
Payment protection is a service that protects your family members should the unexpected happen. In the event of involuntary unemployment, disability, and even death, this service may cancel your loan balances or payments.
For additional protections, Life Plus can extend your payment protection to address a wide range of circumstances, giving you the reassurance of knowing you’ve taken steps to help secure your finances in case of:
- Accidental dismemberment
- Terminal illness
- Hospitalization or family medical leave
- Death of a non-protected dependent
To enroll, please call a member service representative at (888) 858-6878 today!
Filing a Claim
In your time of need, our claims process is quick and easy. If you have already elected payment protection on your loan, you can use the convenient claims process to quickly and easily file your insurance claim.
Protect Your Ride
In the event your vehicle is deemed a total loss, or if your vehicle is stolen, there can be a significant gap between what you owe on your loan and what your auto insurance will cover in terms of repairs.
Guaranteed Asset Protection (GAP) may reduce or even eliminate that shortfall in the event your vehicle is deemed a total loss, helping you avoid making payments on a loan for a vehicle you no longer own.
Save Money
We’re able to offer GAP at a fraction of the cost charged by the dealer. If you already purchased GAP through the dealer, you can request a prorated refund from the dealer and replace the coverage with our lower-cost option. Better yet, in the event you need to use the GAP coverage purchased through us, we’ll give you up to $1,000 toward your next vehicle loan if you finance with Pacific Service CU.
The following vehicles are eligible for GAP coverage:
- Cars
- Motorcycles
- Boats
- RVs
To enroll, please call a member service representative at (888) 858-6878 today!
Protection Against Costly Auto Repairs
A car breakdown can be troubling enough without the added worry of expensive repairs. With Mechanical Repair Coverage (MRC) you can help limit unexpected covered repair costs as your vehicle ages, potentially saving you thousands of dollars at any authorized repair facility.
Benefits of MRC
- Supplement existing warranty – if your purchased or factory warranty are set to expire, add MRC so you’re always covered in the event you need repairs
- Rental reimbursement – up to $35 per day (5-day maximum, 10-day maximum for parts delay); available on the first day of a covered repair
- 24-hour emergency roadside assistance – up to $100 per occurrence; includes towing, battery jumpstart, fluid delivery, flat tire assistance and lock-out service
- No out of pocket expense (except for any deductible) – the administrator pays the repair facility directly for the covered repair
- Transferable – if you sell your vehicle privately, the coverage can be transferred (for an administrative fee)
To enroll, please call a member service representative at (888) 858-6878 today!
Need a little breathing room?
Unexpected expenses happen. With Skip-a-Loan, you can skip up to two payments during the life of an eligible auto or personal loan—or one eligible Visa Platinum Rewards card payment within a 12-month period. A $25 fee applies, and skipping an eligible payment won’t affect your credit standing.
Interested in skipping a payment?
Please call us at (888) 858-6878 or visit a branch for assistance with your Skip-a-Loan request.
Get Started
New & Used Vehicle Financing
The first step in purchasing a new or used vehicle is to secure your financing. Apply online, call a member service representative and we’ll take your request over the phone, tell you how much you qualify for and provide the loan rate, term and monthly payment amount.
Or visit one of our six CA branch locations in Concord, Clovis, Fresno, Livermore, Pleasant Hill, and San Ramon.
Refer your family and friends
You'll both get $50 when they open an account. Refer up to 10 friends and receive $500!
Membership at Pacific Service Credit Union is subject to all terms, conditions, and eligibility requirements applicable to membership and account ownership. Visit the following webpages for complete membership eligibility and current rates. Some restrictions apply. Membership requires the opening of a primary savings account with a minimum balance of $5.00.
Your purchase of Debt Protection with Life Plus is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of Debt Protection with Life Plus. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.
TruStage is the marketing name for the TruStage Financial Group, Inc. its subsidiaries and affiliates. © TruStage
Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in NH, where coverage is provided and administered by Consumer Program Administrators, Inc. DBA Consumer Warranty Program Administrators, in TX, where coverage is provided and administered by Consumer Program Administrators, Inc. DBA The Administrators of Consumer Programs (TX License #175), in FL and OK, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), and in WA, where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 1-800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc.
The purchase of Mechanical Repair Coverage is optional. This website provides general information about Mechanical Repair Coverage and should not be solely relied upon when purchasing coverage. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions and exclusions. Coverage varies by state. Replacement parts may be new, used, non-OEM or remanufactured.
Your purchase of MEMBERS CHOICETM Guaranteed Asset Protection (GAP) is optional and will not affect your loan application for credit or the terms of any credit agreement, you have with Pacific Service Credit Union. Certain eligibility requirements, conditions, and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee to your loan amount will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid.
Skip-a-Loan payment: Members can skip non-consecutive loan payments twice during the life of the loan for vehicle and personal loans, and once in a twelve-month period for Visas. A $25 fee (FINANCE CHARGE) will apply for each loan payment skipped. The fee must be paid in advance by check or automatic withdrawal from your checking, savings or money market account. Loans with co-signers can only be processed upon receipt of a signed agreement by all parties to the loan. Home equity loans, home equity lines of credit, including no-cost refinance, consolidation loans and certificate-secured loans are ineligible for Skip-a-Loan payment. Loan must be current and opened six months with good payment history to be eligible. Other restrictions may apply. See Terms and Conditions. The interest on the loan continues to accrue, and all other terms and provisions remain unchanged. Your deferred payment(s) plus any additional accrued interest will be paid at the maturity of your loan.