Auto Loans

PFFCU offers low rates that can help you save thousands of dollars when buying a new or used car. 

Be an informed consumer with the best financing in hand before you walk into the dealership. 

With a PFFCU AutoDraft, the power of knowing the MSRP of the vehicle you want to purchase, the average trade-in value of your current vehicle, and pricing for GAP and Extended Warranty coverage, you save time and money partnering with PFFCU for your next vehicle purchase. Be an informed consumer with the best financing in hand before you walk into the dealership.

PFFCU finances up to 120%1 of the value of the new or used vehicle you purchase, so you’ll have the extra funds to cover costs such as sales tax, registration fee, dealer document prep fee, GAP coverage and Extended Warranty coverage. Also, you can buy without a down payment.


PFFCU AutoDraft

A PFFCU AutoDraft is an auto loan in the form of a check you can use to purchase a vehicle for any amount up to your approved limit.  For your convenience apply for your PFFCU AutoDraft before you begin shopping. You’ll know your maximum loan payment and have more negotiating power at the dealership.

PFFCU Auto Pricing Service

After receiving your pre-approved PFFCU AutoDraft, use PFFCU’s FREE Auto Pricing Service BEFORE going to the dealer. Research make, model, and MSRP. Search local dealer or your preferred dealers’ inventory, or build a vehicle you plan to buy. You can also learn the retail sales price and average trade-in value for the car you are selling to the dealer. Take this information with you to the dealership, let the dealer know you are aware of the vehicle’s value and you already have financing in hand so you can negotiate the best price for the vehicle.

Refinance your auto loan held elsewhere

If you have an auto loan elsewhere, PFFCU’s low rates can save you money. Check our rates and apply now.

1 Financing up to 120% LTV available for members with Tier A+, Tier 1, and Tier 2 credit scores.