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Lack of credit, growing family, too high of an interest rate or not enough for a down payment? We’re here to help with low loan rates and refinancing options. Life happens, we’re in it with you.
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.
90-Day No-Pay: Get a Car With NO Payments for 90 Days!*
Need a new car this summer? Maybe you’re looking to improve your next road trip with a more efficient and comfortable vehicle? You can get a new or used car by August 31 and make no payments for 90 days, saving you extra money for travel, gas, or whatever you need.
This offer includes an auto loan rate discount of 0.20%, with rates as low as 2.59% APR** with autopay. Apply today to get pre-approved and hit the road with no payments for 90 days!
*Offer valid through 8/31/2019 and subject to change without notice. Interest accrues from date loan is funded. This offer cannot be combined with any other offers.
**APR=Annual Percentage Rate. Rate as of 6/25/2019 and subject to change without notice. Rate quoted for lowest new car loan amount up to 24-month term. Rates may be different as determined by the individual creditworthiness of the applicant. Not all applicants, terms and loan amounts will qualify for the lowest rate. Other rates and terms available. Offer applies to new loans only.
Vehicle Upgrade for a Growing Family
When it's time for a bigger vehicle, we can help with quick auto loan approvals. Check out how we helped our member Jeff when his family doubled in size.
“Before my wife and I could leave the hospital with our new baby boy and girl, I needed to install the car seats. It was quickly apparent we were going to need a new car. I was able to get a Blue Book on my used truck and approved for a new van before I even left the hospital. Thank you for being there for us PNWFCU!” — Jeff, Portland
Auto Loan Refinance to Get Your Finances on Track
You may be able to pay off your auto loan sooner, lower your payment and save hundreds of dollars by refinancing with us. Why pay extra? We helped our member Tomeka in a similar situation.
“I’ve had some credit issues because I was an unfortunate victim of identity theft. When I recently got a new car, the dealer gave me a loan at 19% APR. I knew that was a high rate, but I needed to get a car. Later I talked with Yareli about refinancing my car loan with the credit union. She was able to cut my interest paid by almost a third and also help me resolve my credit issues. Plus, I will be able to pay off the car loan even sooner. I feel like my finances are back on track now because the credit union is here with me.” — Tomeka, Portland
First Car Purchase, Even With No Credit History
When you’re just starting out, you might not have a lot of credit, but you still need a car. We can help with our 1st Time Car Buyer program. No credit is required and no co-signer is required if you are 18 or older. We offer low rates, manageable terms and low monthly payments. Our member Christopher just started building credit with the purchase of his first car.
“I had never bought a car until last month. When I went to the dealer, I didn’t know that the 21% APR they gave me was a high rate. Luckily a friend suggested that I contact the credit union about refinancing the loan, so I stopped by the branch and talked to Linda. Linda took the time to educate me about loans and how to build my credit. She showed me how much money I could save by refinancing with the credit union – I was able to cut my interest rate in half! It’s nice to know the credit union is looking out for me and helping me make wise financial choices.” — Christopher, Gresham
Apply for an Auto Loan
Apply online or contact us for more information:
*APR=Annual Percentage Rate. Rate as of 04/01/2019 and subject to change without notice. Rate quoted for lowest new car loan amount up to 24 months with autopay from PNWFCU checking account. Rates may differ as determined by the individual creditworthiness of each applicant and the terms of the loan. Not all applicants, terms and loan amounts will qualify for the lowest rate. Other rates and terms available. Ask for complete details.
Ready to ride something fun and fuel efficient? We can help you finance a new or used motorcycle, or refinance a loan from another lender. We offer some of the lowest rates around, plus flexible terms and local service.
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 and AutoSMART Vehicle Shopping
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 low auto loan rates and flexible term options right at the dealership. Just tell them you're a PNWFCU member!
And if you’re still looking for your dream car, visit CUDL’s online auto resource center, AutoSMART. You can view photos, specs and pricing of vehicles for sale at multiple dealerships. AutoSMART will help you go from browse to buy.
If you need a little extra cash for unexpected expenses, take advantage of our personal loan:
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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