Vehicle, Motorcycle, Boat & RV Loans


Vehicle, Motorcycle, Boat & RV Loans

Low and Flexible Terms

Our lending team is anxious to help you drive away in the vehicle, boat, or recreational vehicle (RV) of your dreams! We offer exceptionally low interest rates and flexible terms on new and used cars, trucks, motorcycles, RVs, and boats. Contact us today and let us assist you with any of these buying processes.

Save money with lower payments.  You can refinance your existing auto loan whether it’s through a dealership or another financial institution.

View our rates

Advantages of borrowing from PEFCU

  • Use our link to NADA Car Value Reports below to help ensure you are getting the best deal available.
  • Hassle Free – 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, information and tools for new and used cars, classic cars, motorcycles/powersports, boats, recreation vehicles (RVs) and manufactured homes.

Find out the fair value of the vehicle you're looking at to ensure you're getting the best possible deal.


This protects you when a gap exists between the actual value of your vehicle and the amount of money owed on it. 

In the event of a major accident or if your vehicle is stolen there is a chance that your loan or lease balance could be higher than the value of your vehicle, and we all know that most insurance policies will only replace the value of the vehicle. That is where GAP can help.

GAP covers the difference between your primary carrier's insurance settlement and the amount of your loan or lease, less delinquent payments, refundable service warranty contracts and other insurance related charges. It essentially covers the "gap" between the vehicle's value and the amount your still owe. Included in this difference is your insurance deductible, which is limited to $1,000*.

Here's how it could help you:

  • Original purchase price $25,000
  • Loan balance after one year $21,000
  • Vehicle's current value as determined by your insurance company $16,000
  • GAP pays the difference (Including your deductible) $5,000

Total GAP Benefit... $5,000

This great protection offered on Private Passenger Vehicles (up to $100,000) is currently provided to you for $295 (a $450 value)! For more information please call your nearest PEFCU Loan Department today.

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

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