Drive Your Dreams with Our Vehicle Loan Options
At PremierOne Credit Union, we offer a variety of vehicle loan options to help you get on the road, whether you're buying a new or used car, motorcycle, RV, or boat. Our competitive rates, flexible terms, and convenient application process make financing your next vehicle easy and stress-free; you can even apply and sign for your loan at the dealership through CUDL.
Start Your Vehicle Loan Journey Today:
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Auto Loan
We make it easy for you to drive away in a new or used car, whether you're purchasing a vehicle or refinancing an existing loan. Our auto loan options include:
- New and Used Auto Loans: Low rates up to 96 months* on new vehicles, up to 130% for new and used vehicles*, and no application fee or pre-payment penalty.
- Auto Equity Loans: For members who own a car and want cash. Refinance your vehicle to save money each month or even access the equity in your vehicle for cash.
- First-Time Buyer Loans: For members with little to no credit history. We offer auto buying assistance and personalized service.
- Classic Car: financing available
Motorcycle Loan
Let the wind be the only thing between you and the open road. Whether it's a dirt bike or a Harley Davidson, finance your next bike or ATV here at PremierOne Credit Union. Our motorcycle loan options include:
- New and Used Motorcycle Loans: Competitive rates and up to 125% financing for new and used motorcycles. Terms up to 6 years and loans up to $75,000.
- Preapprovals Available: Affordable payments, quick approvals, and personal service.
RV and Boat Loan
Whether you want to travel by land or by water, PremierOne Credit Union can help make your dreams a reality. Our RV and boat loan options include:
- New and Used RV and Boat Loans: Financing on new and used RVs, boats, watercrafts, motor homes, travel trailers, and more. Up to 100% financing on new vehicles.
- Flexible Terms: Terms up to 20 years available on loans over $50,000***. Loans up to $100,000**.
- Affordable Payments: Quick approvals and personal service.
Vehicle Loan FAQs
What types of vehicle loans does PremierOne Credit Union offer?
PremierOne Credit Union offers financing for new and used cars, motorcycles, ATVs, RVs, boats, watercraft, motor homes, travel trailers, classic cars, and vehicle refinancing. We also offer auto equity loans and first-time buyer loan programs.
Can I finance a new or used vehicle with PremierOne Credit Union?
Yes. PremierOne Credit Union offers competitive financing options for both new and used vehicles, including flexible terms, affordable payments, and quick approval decisions.
How long are the repayment terms for an auto loan?
PremierOne Credit Union offers auto loan terms of up to 96 months on qualifying new vehicle loans, giving borrowers more flexibility to choose a monthly payment that fits their budget.
Can I refinance my current vehicle loan?
Yes. Refinancing your existing auto loan through PremierOne Credit Union may help lower your monthly payment, reduce your interest rate, or provide access to vehicle equity through an auto equity loan.
What is an auto equity loan?
An auto equity loan allows eligible vehicle owners to borrow against the value of their vehicle. This option can provide access to cash while potentially helping reduce monthly loan costs through refinancing.
Do you offer vehicle loans for first-time buyers?
Yes. PremierOne Credit Union offers first-time buyer loan programs designed for members with little or no established credit history. These loans include personalized service and auto-buying assistance to help customers navigate the purchase process.
Can I get financing for a motorcycle or ATV?
Yes. PremierOne Credit Union offers financing for new and used motorcycles and ATVs, with loans available up to $75,000, terms up to six years, and financing for up to 125% of the vehicle value on qualifying purchases.
Can I finance an RV, boat, or recreational vehicle?
Yes. PremierOne Credit Union provides financing for new and used RVs, boats, personal watercraft, motor homes, travel trailers, and other recreational vehicles, with loan amounts available up to $100,000.
What loan terms are available for RV and boat loans?
RV and boat loans may be available with terms up to 20 years on qualifying loans over $50,000. These extended terms can help make monthly payments more affordable.
Can I apply for a vehicle loan at the dealership?
Yes. Through CUDL, you can apply for and sign your PremierOne Credit Union vehicle loan directly at participating dealerships, making the car-buying process faster and more convenient.
Additional Resources
*All loans are subject to credit approval. Actual rate offered is determined by the loan term requested and by the applicant's individual credit profile. Longer terms may be available. 96-month term only available for new purchases over $50,000 with 720+ FICO. For more information contact us.
**APR = Annual Percentage Rate. Rate range shows as low as rate to as high as rate based on term, value ratio, and credit score. Rates and terms are subject to change without notice. Some restrictions may apply. All loans are subject to credit approval. Actual rate offered is determined by the loan term requested, the loan to value ratio, and by the applicant's individual credit score. ***For term greater than 15 years and up to 20 years, a minimum down payment 10% and financed of $50,000 or more is required. Terms available per individual based on credit score. For more information contact us.