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We have loans for all purposes and terms to fit your lifestyle. Rates and terms vary by credit history, amount of loan and collateral, but one thing never changes: the outstanding service you'll receive from our dedicated loan staff.
Buy a new or used vehicle, or refinance an existing loan. We offer some of the lowest rates around, plus flexible terms and local service.
Buying Your First Car? We Are Here to Help
We can help you get your first car with our 1st Time Car Buyer program. No credit is required and no co-signer is required if you are 18 years of age or older. We offer low rates, manageable terms and low monthly payments. We also have a Cash Awards Visa card for members with no credit history. Both are an excellent way to establish positive credit history. Contact us for more information at 1-800-444-5858 (option 3) or email@example.com, or Apply Now.
Low Rates on RV, Trailer, and Boat Loans
Take home a new or used RV, trailer or boat, or refinance a loan from another lender. We offer some of the lowest rates around, plus flexible terms and local service.
Auto Mentors: Your Auto Shopping Service
Auto Mentors has access to multiple inventories of new and used vehicles at a price you can afford, all without the car-buying hassle. Your personal auto shopper, Russ Johnson, will assist you through the entire process of purchasing your next vehicle. He does all the work, so you don’t have to.
CARFAX Reports: Half Off for PNWFCU Members
If you’re shopping for a used car or truck, get the CARFAX to discover vehicle history information before you make a purchase. CARFAX reports typically cost $39.99, but PNWFCU members can get their reports through us for just $19.99. Email firstname.lastname@example.org for your discounted CARFAX report.
Credit Union Direct Lending (CUDL) AutoSMART
Found the car you love at the dealership? PNWFCU has partnered with Credit Union Direct Lending (CUDL) to offer financing for your new or used vehicle at participating dealerships in Oregon and SW Washington. You'll enjoy PNWFCU's record-low auto loan rates and flexible term options - right at the dealership. Just tell them you're a PNWFCU member!
If you need a little extra cash for unexpected expenses, take advantage of our 9.99% APR* personal loan:
*APR=Annual Percentage Rate. Contact a credit union representative for more info.
Consolidate Your Debt With a Personal Loan
Credit card debt and large payments weighing you down? Consolidate your debt into a low interest personal loan and get a fresh start on your financial goals.
Mechanical Repair Coverage
It's hard to anticipate vehicle repairs and maintenance. Budgeting for this can be difficult and can tie up funds earmarked for other needs. PNWFCU offers our members the convenience of MEMBER'S CHOICE® Mechanical Repair Coverage* to help pay for covered vehicle repairs. Choose Mechanical Repair Coverage to help keep your car on the road where it belongs. Contact your Member Relationship Officer to enroll in Mechanical Repair Coverage today, or click here to get an estimate on coverage.
*MEMBER'S CHOICE® Mechanical Repair Coverage is administered by Consumer Program Administrators, Inc. in all states except AK and CA, where coverage is administered by Virginia Surety Company, Inc., in WA, where coverage is administered by Automotive Warranty Services, Inc., in FL, LA , OK and WI, where coverage is administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023) and in AZ, where the Obligor and Administrator is 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. In those states where MEMBER'S CHOICE® Mechanical Repair Coverage is offered as insurance (form MCCU-001-MBI) it is underwritten by Virginia Surety Company, Inc.
Guaranteed Asset Protection with Deductible Assistance
They say a new car depreciates 10-15% the second you drive it off the dealership lot. So, if your car is totaled or stolen, your auto insurance may not provide enough to pay off the value of your auto loan. Guaranteed Asset Protection (GAP) pays the difference between your vehicle insurance company's settlement and the remaining loan amount (directly related to the vehicle purchase), up to the maximum allowed by the credit union and/or state, in the event your vehicle is stolen or damaged beyond repair. It also includes deductible assistance, which cancels part of your debt when a comprehensive or collision claim is paid through your primary auto insurance and a deductible is incurred. Contact your Member Relationship Officer for more details and to see if GAP is right for you.
Whether you're taking out a loan to make home improvements or buy a vehicle, it can be a financial gamble because things happen…life happens. Help play it safe with Debt Protection, a voluntary loan-payment protection product. Debt Protection helps you get relief from the financial burden of delinquency, default or foreclosure if a protected life event unexpectedly happens to you. Simple eligibility requirements help ease the enrollment process.
If a protected life event happens to you (and you're a protected borrower or co-borrower on the loan) Debt Protection will cancel or waive your loan payment(s), up to the contract maximums. Help lessen your worries, and your family's worries, about paying loans during a time when your income may be reduced or lost and paying other household bills becomes challenging. Protected events include:
Call us at 503-256-5858 and ask about protecting your loans today.
Your purchase of Debt Protection 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. 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.
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