Credit union · NCUA insured
Power Financial Credit Union Auto Loan Rates
Power Financial Credit Union auto loans start at 5.00% APR for a new vehicle and 5.25% for a used one. Rates checked October 15, 2026.
How Power Financial Credit Union’s auto loan rates compare
Compared with banks and credit unions near Miami, FL, where Power Financial Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Power Financial Credit Union
5.00%APR
- Terms
- 37–60 months
- Up to
- —
- Discount
- Included in the rate
New Auto Loan
Lowest rate
SUN Credit Union
3.99%APR
- Terms
- —
- Up to
- —
- Discount
- None included
2nd-lowest rate
American Airlines Federal Credit Union
4.09%APR
- Terms
- 37–60 months
- Up to
- 13.14% APR
- Discount
- None included
Power Financial Credit Union auto loan score
73
Auto loan score
Higher than 33% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed5.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Power Financial Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
First-Time Car Buyer Loan
Designed for first-time buyers with little or no credit history. No credit history required, but credit report must show no outstanding collections, derogatory tradelines, repos, charge-offs, or foreclosures. Must be employed with current employer for at least 2 months with proof of income. Must reside in US and provide valid US address and state driver's license. Financing up to 100% of purchase or 109% LTV (lesser of), with a maximum loan amount of $45,000. Terms up to 72 months available. Minimum loan amount of $7,501 to qualify for lowest advertised rate. Rates include a 0.25% autopay discount and a 0.25% discount for previous PFCU borrowers. Auto insurance required. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.12% | New Auto; rate as low as; minimum loan amount $7,501 for lowest rate; includes 0.25% autopay discount and 0.25% previous borrower discount. |
| 37–60 months | 5.25% | New Auto; rate as low as; minimum loan amount $7,501 for lowest rate; includes 0.25% autopay discount and 0.25% previous borrower discount. |
| 61–72 months | 5.50% | New Auto; rate as low as; minimum loan amount $7,501 for lowest rate; includes 0.25% autopay discount and 0.25% previous borrower discount. |
| up to 36 months | 5.37% | Used Auto; rate as low as; minimum loan amount $7,501 for lowest rate; includes 0.25% autopay discount and 0.25% previous borrower discount. $350 fee to refinance existing PFCU loan. |
| 37–60 months | 5.50% | Used Auto; rate as low as; minimum loan amount $7,501 for lowest rate; includes 0.25% autopay discount and 0.25% previous borrower discount. $350 fee to refinance existing PFCU loan. |
| 61–72 months | 5.75% | Used Auto; rate as low as; minimum loan amount $7,501 for lowest rate; includes 0.25% autopay discount and 0.25% previous borrower discount. $350 fee to refinance existing PFCU loan. |
Sources (1)
- powerfi.org/Personal/Borrow/First-Time-Car-Buyer-Loan · captured Oct 7, 2026
New Auto Loan
Eligibility for lowest rate is based on credit worthiness, year of vehicle, ability to repay, credit score, down payment and loan to value. Minimum loan amount of $7,501 to qualify for lowest advertised rate. Interest rates include a .25% discount for automatic payment from your Power Financial Credit Union account and a .25% discount for previous Power Financial Credit Union borrowers. New Autos are defined as current and prior year models that have never been titled. Up to 100% financing available. Extra 0.25% rate discount when purchasing vehicle using Auto Advisors. Up to 90 days no payments available subject to approval (interest accrues). Rates subject to change at any time. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.87% | Rate as low as; minimum loan amount $7,501 for lowest rate; includes 0.25% autopay discount and 0.25% previous borrower discount. |
| 37–60 months | 5.00% | Rate as low as; minimum loan amount $7,501 for lowest rate; includes 0.25% autopay discount and 0.25% previous borrower discount. |
| 61–72 months | 5.25% | Rate as low as; minimum loan amount $7,501 for lowest rate; includes 0.25% autopay discount and 0.25% previous borrower discount. |
| 73–84 months | 6.12% | Rate as low as; minimum loan amount $7,501 for lowest rate; includes 0.25% autopay discount and 0.25% previous borrower discount. |
| 85–96 months | 7.87% | Rate as low as; minimum loan amount $7,501 for lowest rate; includes 0.25% autopay discount and 0.25% previous borrower discount. |
Sources (2)
All captured Oct 7, 2026
Used Auto Loan
Eligibility for lowest rate is based on credit worthiness, year of vehicle, ability to repay, credit score, down payment and loan to value. Minimum loan amount of $7,501 to qualify for lowest advertised rate. Interest rates include a .25% discount for automatic payment from your Power Financial Credit Union account and a .25% discount for previous Power Financial Credit Union borrowers. A fee of $350 will be charged when an existing Power Financial Credit Union auto loan is being refinanced. Up to 100% financing available. Extra 0.25% rate discount when purchasing vehicle using Auto Advisors. Up to 90 days no payments available subject to approval (interest accrues). Rates subject to change at any time. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.12% | Rate as low as; minimum loan amount $7,501 for lowest rate; includes 0.25% autopay discount and 0.25% previous borrower discount. $350 fee to refinance existing PFCU auto loan. |
| 37–60 months | 5.25% | Rate as low as; minimum loan amount $7,501 for lowest rate; includes 0.25% autopay discount and 0.25% previous borrower discount. $350 fee to refinance existing PFCU auto loan. |
| 61–72 months | 5.50% | Rate as low as; minimum loan amount $7,501 for lowest rate; includes 0.25% autopay discount and 0.25% previous borrower discount. $350 fee to refinance existing PFCU auto loan. |
| 73–84 months | 6.37% | Rate as low as; minimum loan amount $7,501 for lowest rate; includes 0.25% autopay discount and 0.25% previous borrower discount. $350 fee to refinance existing PFCU auto loan. |
| 85–96 months | 8.12% | Rate as low as; minimum loan amount $7,501 for lowest rate; includes 0.25% autopay discount and 0.25% previous borrower discount. $350 fee to refinance existing PFCU auto loan. |
Sources (2)
All captured Oct 7, 2026
Who can join Power Financial Credit Union
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