Credit union · NCUA insured
Premier America Credit Union Auto Loan Rates
Premier America Credit Union auto loans start at 5.74% APR for a new vehicle and 5.99% for a used one. Rates checked October 16, 2026.
How Premier America Credit Union’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where Premier America Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Premier America Credit Union
5.74%APR
- Terms
- up to 66 months
- Discount
- Included in the rate
New Auto Loan
Lowest rate
Downey Federal Credit Union
3.49%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
United Catholics Federal CU
3.75%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
Premier America Credit Union auto loan score
64
Auto loan score
Higher than 12% of U.S. banks and credit unions
- New vehicleNew5.74%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Premier America 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.
Motorcycle Loan
Financing up to 100% of MSRP for New Motorcycles or 100% of Retail Kelley Blue Book for Used Motorcycles. Excludes dirt bikes. Boats and RVs in the same table are excluded from auto_loans scope.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 10.85% | New Motorcycles - Excludes dirt bikes. Up to 66 Months. Up to 100% of MSRP. Rates reflect a .25% discount with vehicle insurance from Premier America and .25% discount for direct deposit with automatic payment. May increase based on credit worthiness. |
| up to 66 months | 11.85% | Used Motorcycles (2020-2026) - Excludes dirt bikes. Up to 66 Months. Up to 100% of Retail Kelley Blue Book. Rates reflect a .25% discount with vehicle insurance from Premier America and .25% discount for direct deposit with automatic payment. May increase based on credit worthiness. |
Sources (1)
- premieramerica.com/learn/resources/rates · captured Oct 16, 2026
New Auto Loan
Financing up to 120% of MSRP or Retail Kelley Blue Book (plus tax, title, license, GAP, service contract, etc.). New Autos are vehicles less than 1 year old and less than 12,000 miles. 90 days before first payment due (interest begins accruing upon disbursal of the loan).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.74% | Up to 36 Months. Rates reflect a .25% discount with vehicle insurance from Premier America and .25% discount for direct deposit with automatic payment. May increase based on credit worthiness. |
| up to 48 months | 5.49% | Up to 48 Months. Rates reflect a .25% discount with vehicle insurance from Premier America and .25% discount for direct deposit with automatic payment. May increase based on credit worthiness. |
| up to 66 months | 5.74% | Up to 66 Months. Rates reflect a .25% discount with vehicle insurance from Premier America and .25% discount for direct deposit with automatic payment. May increase based on credit worthiness. |
| up to 75 months | 5.99% | Up to 75 Months. Rates reflect a .25% discount with vehicle insurance from Premier America and .25% discount for direct deposit with automatic payment. May increase based on credit worthiness. |
| up to 84 months | 6.24% | Up to 84 Months. Rates reflect a .25% discount with vehicle insurance from Premier America and .25% discount for direct deposit with automatic payment. May increase based on credit worthiness. |
Sources (2)
All captured Oct 16, 2026
Older Used Auto Loan
Older Used Autos are vehicles with Model Year 2019 or older and under 75,000 miles. Financing up to 101% of Retail Kelley Blue Book (plus tax, title, license, GAP, service contract, etc.). 90 days before first payment due (interest begins accruing upon disbursal of the loan).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.49% | Up to 36 Months. Rates reflect a .25% discount with vehicle insurance from Premier America and .25% discount for direct deposit with automatic payment. May increase based on credit worthiness. |
| up to 48 months | 6.74% | Up to 48 Months. Rates reflect a .25% discount with vehicle insurance from Premier America and .25% discount for direct deposit with automatic payment. May increase based on credit worthiness. |
| up to 66 months | 6.99% | Up to 66 Months. Rates reflect a .25% discount with vehicle insurance from Premier America and .25% discount for direct deposit with automatic payment. May increase based on credit worthiness. |
| up to 75 months | 7.24% | Up to 75 Months. Rates reflect a .25% discount with vehicle insurance from Premier America and .25% discount for direct deposit with automatic payment. May increase based on credit worthiness. |
Sources (2)
All captured Oct 6, 2026
Used Auto Loan
Used Autos are vehicles with Model Year between 2020-2026 and over 12,000 miles. Financing up to 120% of Retail Kelley Blue Book (plus tax, title, license, GAP, service contract, etc.). 90 days before first payment due (interest begins accruing upon disbursal of the loan).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.49% | Up to 36 Month. Rates reflect the maximum .50% discount (Discounts available are: .25% discount with vehicle insurance from Premier America, .25% discount for direct deposit with automatic payment). May increase based on credit worthiness. |
| up to 48 months | 5.74% | Up to 48 Months. Rates reflect the maximum .50% discount (Discounts available are: .25% discount with vehicle insurance from Premier America, .25% discount for direct deposit with automatic payment). May increase based on credit worthiness. |
| up to 66 months | 5.99% | Up to 66 Months. Rates reflect the maximum .50% discount (Discounts available are: .25% discount with vehicle insurance from Premier America, .25% discount for direct deposit with automatic payment). May increase based on credit worthiness. |
| up to 75 months | 6.24% | Up to 75 Months. Rates reflect the maximum .50% discount (Discounts available are: .25% discount with vehicle insurance from Premier America, .25% discount for direct deposit with automatic payment). May increase based on credit worthiness. |
| up to 84 months | 6.49% | Up to 84 Months. 84 month terms available for used models, 2022 or newer, with a maximum mileage of 75,000 and minimum loan amount of $20,000. Rates reflect the maximum .50% discount. May increase based on credit worthiness. |
Sources (2)
All captured Oct 6, 2026
Who can join Premier America Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.