A car is more than transportation. It’s a special place for car seats and little feet. Whether you’re going to the playground, a play date or a school drop-off, you can make your own moments that matter when you finance your next car with us.
Auto loans
For the moments that matter.
Loan Options
Auto Loans
- Same rate for new
and used cars - Terms up to 84 months
- Skip-a-payment
- No payment for 90-days on auto refinance loans
- First-time borrower program
Refinance and save
Keep your car, trade your rate. Receive 1% cash back, up to $500 simply for transferring your higher rate auto loan with another lender to us. In most cases, we can reduce the monthly payment, too. Transferring your vehicle loan is free, simple and only takes minutes. To apply and take advantage of the 1% cash back offer, simply:
First-time auto loans
The key to building good credit begins with the right loan. Pacific Service CU’s first-time borrower program helps people with limited credit history purchase a vehicle. Our auto loans feature low rates and flexible terms, so your first loan is simple and affordable.
Get started
The first step in purchasing a new or used vehicle in California is to secure your financing. You can apply online or call one a member service representative. We’ll take your request over the phone and tell you how much you qualify for and provide the rate, term and monthly payment amount. Our goal is to help you understand each step of the vehicle loan application process, so when you’re ready to buy, you can do so with confidence.
Once you have your auto loan in place, you can start your search or make a confident offer for a vehicle you have already identified. If you are still searching, check out our free car buying service, powered by TrueCarTM. You can search thousands of new or used vehicles at local certified dealers.
Once you have your auto loan in place, you can start your search or make a confident offer for a vehicle you have already identified. If you are still searching, check out our free car buying service, powered by TrueCarTM. You can search thousands of new or used vehicles at local certified dealers.
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.
90-Day Payment Deferral: Offer subject to change without notice. Payment deferral is optional. There is no fee for the 90-day payment deferral. The interest on the loan will continue to accrue. The deferred payment(s) plus any additional accrued interest will be paid at the end of your loan. The first payment will be due 90 days from the date of booking. Other restrictions may apply.
Swipe to see more