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!

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.

Avoid Negotiations

You may avoid negotiations by using one of several auto brokers offered by the credit union.
You can also 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.

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.



Vehicle Loan Rates

Effective date: 07/01/2020

CollateralFinancing %Term MonthsAPR* Tier A+APR* Tier AAPR* Tier BAPR* Tier C
Auto – 2019 to 2021100%602.99%3.99%6.99%12.99%1
Auto – 2019 to 2021100%72 – 843.99%4.99%7.99%13.99%2
Auto – 2010 to 2018Kelley Blue Book603.99%4.99%7.99%13.99%3
Auto – 2010 to 2018Kelley Blue Book72 – 844.49%5.49%8.99%14.99%4
Auto – CollateralKelley Blue Book604.99%6.99%8.99%14.99%5

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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