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Vehicle Loans

Dream. Buy. Drive.

Low Rate Auto, Motorcycle, RV and Boat Loans
Pacific Service Credit Union in Northern CA makes vehicle loans simple to get and easy to afford with low rates and flexible terms. We offer up to 130% financing and the option to skip your loan payment.

The Choice is Yours

Auto Loans Motorcycles RVs Boats
Rates Same rate for new and used cars Same rate for new and used motorcycles Same rate for new and used RVs Same rate for new and used boats
Terms Terms up to 84 months Terms up to 72 months Terms up to 144 months Terms up to 144 months
Refinance Your Vehicle Loan and Save
Keep your car, trade your rate. Transfer your auto loan from another lender to lower your monthly payment and receive 1% cash back, up to $500. Transferring your vehicle loan is free, simple and only takes minutes. To apply and take advantage of the 1% cash back offer, simply:

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.

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 and 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.

1% Cash Back Offer: Offer subject to change without notice. Cash back incentive is 1% of the refinanced loan balance from another lender to Pacific Service CU to a maximum of $500. Minimum loan balance is $4,000. Existing Pacific Service CU loan balances do not qualify. Cash back will be deposited to the savings account at the time of funding. We reserve the right to retain incentive dollars if the loan is closed, paid off or refinanced within the first two years. Accounts must be in good standing to receive rebate. Some restrictions may apply.
Skip-a-loan payment: Members can skip non-consecutive loan payments up to twice per year, per loan. 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.

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Loan Saver

We’ve shopped the competition so you don’t have to. 

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