On Land & Sea. For Work or Play. On the Roads & Off the Trails.

No matter where you’re going, you can ride there in style with PEFCU’s money-saving vehicle and boat loans.  PEFCU offers loans for new and used:

Cars & Trucks             
Boats & RVs                 



Get your dream vehicle or boat at a dream rate while you can. Looking to cut costs? Keep the same great vehicle or boat with better rates. With our low rates, you can save money on your current vehicle loan by refinancing with us.

View our rates  Apply Now

Your PEFCU Advantages

  • Use our link to NADA Car Value Reports below to help ensure you are getting the best deal available
  • Get hassle-free and personal service, fast approval, and great rates & loan terms
  • Protect your budget and your family with Loan Payment Protection Insurance (optional coverage available)

National Appraisal Guides, Inc. is the largest publisher of vehicle pricing. They also offer other useful information and tools for purchasing new and used vehicles, including automobiles, boats, RVs, etc.

Discover the fair value of the vehicle that you are interested in so that you can negotiate the best price.


Guaranteed Asset Protection (GAP) protects you when you owe more money on your vehicle loan than the vehicle is worth.

If your vehicle is ever stolen or is in a major accident resulting in a total loss, your loan balance will likely be higher than your vehicle’s value. However, most insurance policies will only issue payoffs for estimated value of the vehicle.

That is where GAP can help. GAP covers the "gap" between the vehicle's value and the amount you still owe. It will pay the difference between your primary carrier's insurance settlement and the amount of your loan, less delinquent payments, refundable service warranty contracts and other insurance related charges. Your insurance deductible, which is limited to $1,000,* would also be included in the difference.

Here's an example of how GAP can help you:

Original purchase price of vehicle:


Loan balance at the time of your claim:


Insurance company's estimate vehicle's value:


Money owed after insurance payout:


Total GAP Benefit:


GAP is also offered on boats, RV’s and motorcycles (up to $100,000) and is currently provided to you for $385 (a $450 value)! For more information please call our Loan Department at (800) 226-6673 or visit your PEFCU local branch.

Whenever you take out a loan, you make a number of important decisions. You decide how much to borrow. You choose the term of the loan.

And, another decision you'll make is whether to financially protect your loan with credit insurance. When you take out a loan, your financial picture changes. Loan protection insurance is a great way to keep up with that change. By protecting your loan, you're helping to protect your family and your credit rating!

For more information on about loan protection insurance, call Minnesota Life Insurance Company toll-free at (800) 452-4521 or the PEFCU Loan Department nearest you. They will be happy to help you!

In these difficult economic times, Credit Union Members are making decisions to keep vehicles longer or buy used vehicles rather than new, with increasing frequency. Under these circumstances, the ability to provide quality, affordable Mechanical Breakdown Protection on those vehicles, represents a significant value to members.

The Route 66 Warranty Program addresses these needs in three significant ways:

  • The program offers the opportunity to add coverage to a member’s vehicle at any time. This feature allows members to add coverage to existing vehicles that they have decided to keep rather than trade!
  • Coverage is offered on any vehicle, with exception of exotic cars, regardless of age or mileage. Contact our Loan Department today for a quote.
  • The claims process is handled directly with the underwriters. Vehicle repairs are paid directly to the repair facility, no claim forms for you/the member to fill out.

For more information on this product or to sign up for this product – contact you nearest PEFCU Loan Department.

The Auto Advisor Program has one mission in mind: helping consumers get a fair and competitive transaction price on a new or used vehicle, while financing directly with PEFCU! Since the purchase of a vehicle is one of the largest purchases we make, it's important to make a smart financial decision. Auto Advisors show our credit union members how to do that.

Auto Advisors