Vehicle Loans


If you’re shopping for a new car or truck, see Paradise Valley Federal Credit Union first! You will benefit from competitively low, simple interest rates, no pre-payment penalty, with your choice of excellent terms: up to 84 months for new autos and trucks.

Get pre-approved!

Improve your bargaining position and lessen your vulnerability to sales tactics when you apply for a pre-approved auto loan. Paradise Valley FCU also offers 130% financing on new or used cars and trucks for qualified borrowers!

Apply on-line today by filling out an application on this website, we will then contact you with any questions and process your loan. Also, your loan officer can provide quick pre-approvals that will empower you to make the best deal with the auto dealer without fear of not being able to get financing. Terms and rates are generally lower at your credit union. Members are free from the high-pressure sales tactics experienced at the dealership.

Information Is The Key

To help our members understand the value of vehicles, loan officers can provide up-to-date information on the value of your auto and on the auto being purchased.

Without specific knowledge about the vehicle you will be at a disadvantage when negotiating with a dealer . Don’t be caught without this important knowledge. Be an “informed” buyer when you shop for a new or used auto.

Vehicle Buying Service

According to a 2016 survey, 87% of Americans dislike something about car shopping at dealerships and 61% feel they’re taken advantage of while there. (V12 Automotive Blog: 25 Amazing Statistics on How Consumers Shop for Cars.) If you are part of the 13% that enjoy everything about car shopping at dealerships, God bless you! However, Paradise Valley Federal Credit Union has a solution for the rest: Avoid negotiations by using our trusted partner New Cars Inc, the auto broker offered by the credit union.

Re-Finance Your Existing Loan

Are you paying a high rate elsewhere? As a Paradise Valley Federal Credit Union member, you don’t have to pay outlandish rates. With credit approval, your credit union can refinance your auto loan to reduce your rate and monthly payment.


Waiting until you are in the dealership can cost your family thousands of dollars. Get pre-approval today. Then, go shopping.

Guaranteed Asset Protection (GAP)

GAP Advantage can pay up to the remaining balance of your auto loan after an insurance payout, protecting you from financial loss. As an added benefit, GAP Advantage will provide a $1,000 allowance to finance a replacement vehicle with us. Speak to one of our loan officers for more information.

Auto Warranties for Mechanical Breakdown Insurance Protection (MBP)

Auto Warranties for Mechanical Breakdown give you flexibility with your premium, covers repairs at all licensed repair facilities in the U.S. or Canada and provides a host of additional coverages to protect you on the road.

Choose from 3 coverage options:

  • Classic – engine, factory turbo/super charger, transmission, drive axles, cooling, electrical
  • Preferred – everything covered in Classic, plus steering, brakes, suspension, fuel delivery, sensors, air conditioning
  • Ultimate – everything covered in Preferred, plus enhanced coverages, luxury electronic and seals and gaskets
All Auto Warranties options provide towing/emergency roadside assistance benefits, rental car allowance, lodging/trip interruption coverage, lockout service, paint-less dent repair and windshield repair protection (conditions apply; ask for specific details). And it’s so affordable, you’ll wonder why you ever drove without it. MBP options will vary depending on the age, make and mileage of the vehicle. Other restrictions, limitations and conditions may apply.



(1) are not federally insured;
(2) are not obligations of the credit union;
(3) are not guaranteed by the credit union or any affiliated entity;
(4) involve investment risks, including the possible loss of principal; and
(5) are being offered by employee(s) who serves both functions of accepting members’ deposits and the selling of nondeposit investment products.

Vehicle Loan Rates

Effective date: 4/01/2022

CollateralTerm MonthsAPR* Tier 1APR* Tier 2APR* Tier 3APR* Tier 4APR* Tier 5
Auto – 2019 to 2022Up To 481.99%2.49%4.49%6.49%10.49%1
Auto – 2019 to 202260 – 722.49%2.99%4.99%6.99%10.99%2
Auto – 2019 to 2022844.49%4.99%6.99%8.99%12.99%3
Auto – 2015 to 2018Up To 482.49%2.99%4.99%6.99%10.99%4
Auto – 2015 to 201860 – 723.49%3.99%5.99%7.99%11.99%5
Auto – 2012 – 2014Up To 483.49%5.49%7.49%9.49%13.49%6

Contact Us
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    PV Federal Credit Union
    2700 E. 4th Street
    National City, CA 91950
    Phone: (619) 475-4313, or toll free, (800) 253-6991
    Fax: (619) 475-0998
    E-mail: paradise@paradisevalleyfcu.com
    Access 24: (619) 475.2009
    Toll free 1 (866) 760.3777

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