We have loans for almost any worthwhile purpose. Our competitive interest rates and flexible terms mean you should make PFCU your first stop the next time you need to borrow!
We've streamlined our application process for your convenience so when you need to borrow money you can get it faster, easier and with no stress. You can call anytime with loan requests and may not need to ever come in. Money can just be deposited to your account.
Get to the Bottom Line!
There is a big difference in auto loans so don’t be fooled by those low (or zero) interest rates advertised. We urge you to stop or call and compare the bottom line. Look at the total cost of the loan and you will see that no one makes financing easier or more economical than PFCU.
Financing your next vehicle can be affordable. We finance up to 100% of the purchase price with NO application fee and fast approvals. Dealer Direct Financing allows you to obtain your PFCU loan right at the dealer’s showroom. No need to come to the credit union. Simply pick out the car of your dreams, make your best deal on the price and tell them you want your loan financed through PFCU. The dealer will take it from there!
Refinance a vehicle that you financed with another lender and save! Call any of our Loan Specialists to get a payment and interest rate quote. It takes just a few minutes and you may be surprised as to how much you can save on your monthly payment over the term of the loan!
Credit Life and or Credit Disability Insurances are an available option on most PFCU loans. The low-cost premiums are added to your loan balance monthly so you are not paying interest on the premium. Credit union members also get a group discount rate on auto insurance.
Call or stop in and experience the PFCU difference with terrific loan products like these:
- Automobile/Vehicle Loan: You pay the same low rate for new or used vehicles with up to 84 months to repay. Interest rate is based on borrower’s credit score.
- Other Secured & Recreational Products: You’ll enjoy our flexible terms and great rates with up to 15 years (180 months) to pay on travel trailers, motor homes and large boats.
- Signature Loans: Unsecured loans for any worthwhile purpose.
- Share Secured Loans: Borrow against your own credit union deposits at just 2.50% Annual Percentage Rate above your current deposit rate.
- TLC (The Loan Check) Line-of-Credit: You are approved for a line-of-credit limit that has easy access. You’ll receive TLC checks and you simply write a check to advance your loan. Payments are calculated at 3% of your loan balance and are due monthly.
- 1st Mortgage Loans: For owner-occupied home purchases, refinances, a second home or land loans. We have low closing costs, as little as 0% down and the payment options vary from a 5-year balloon to a 30-year fixed rate.
- Home Equity Term Loans: With low closing costs, you can borrow up to 80% LTV of your home. The interest rate is fixed for up to ten (10) years. However the loan may be amortized up to 240 months (20 years) on a 5 year balloon, to keep the payment lower.
- Home Equity Line-of-Credit: No closing costs (unless an appraisal is needed), borrow up to 80% LTV of your home’s value. Interest rate is variable and is tied to the Prime Lending Rate.
This is only a partial list of our great loan products and services. If you’re thinking of taking out a loan, be sure to call any of our PFCU offices and speak to one of our qualified loan officers for more options.