Credit union · NCUA insured
Provident Credit Union Auto Loan Rates
Provident Credit Union auto loans start at 5.88% APR for a new vehicle and 5.88% for a used one. Rates checked October 17, 2026.
How Provident Credit Union’s auto loan rates compare
Compared with banks and credit unions near San Francisco, CA, where Provident Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Provident Credit Union
5.88%APR
- Terms
- 37–60 months
- Up to
- —
- Discount
- None included
New & Used Auto Loan
Lowest rate
Utility District Credit Union
3.50%APR
- Terms
- up to 60 months
- Up to
- 13.00% APR
- Discount
- None included
2nd-lowest rate
F3 Credit Union
3.74%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- Included in the rate
Provident Credit Union auto loan score
68
Auto loan score
Higher than 21% of U.S. banks and credit unions
- New vehicleNew5.88%
- Used vehicleUsed5.88%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Provident 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.
Auto Refinance Loans
Refinance loans up to 100% Kelley Blue Book. Requires current registration verifying vehicle ownership. Subject to credit rating. Terms over 72 months require a minimum loan of $20,000.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 5.75% | Current rates as low as 5.750% APR. Terms up to 84 months. Terms over 72 months require a minimum loan of $20,000. |
Sources (3)
- providentcu.org/cam/auto-loan-discount
- providentcu.org/products/auto-loans
- providentcu.org/products/auto-…ns/auto-loan-refinancing
All captured Oct 7, 2026
College Auto Loan
Borrower must be at least 18 years of age, employed, enrolled in an accredited college, university, or trade school, have no FICO score or limited credit history, and provide a minimum down payment of $1,000 or 10%.
| Terms | APR | Conditions |
|---|---|---|
| 1–60 months | 11.38% | Payment per $1,000 balance is $21.93 based on maximum term. Maximum term 12 months per $1,000 financed. |
Sources (2)
All captured Oct 7, 2026
New & Used Auto Loan
Must be a Provident Credit Union member or eligible to join. Rate depends on credit rating, loan amount, term, model year, and vehicle type. Unable to finance branded or certain commercial vehicles. 100% financing available on used cars up to retail Kelley Blue Book value. Smog certificate within last 90 days required for private party purchases. Term not to exceed 1 year (12 months) per $1,000 financed.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 5.75% | Quoted APR is for excellent credit; actual payment is $30.31 per $1,000 balance. |
| 37–60 months | 5.88% | Quoted APR is for excellent credit; actual payment is $19.27 per $1,000 balance. |
| 61–72 months | 6.00% | Quoted APR is for excellent credit; actual payment is $16.57 per $1,000 balance. |
| 73–84 months | 6.25% | Terms over 72 months require a minimum loan of $20,000. Quoted APR is for excellent credit; actual payment is $14.73 per $1,000 balance. |
Sources (1)
- providentcu.org/products/auto-loans · captured Oct 7, 2026
New & Used Motorcycle Loan
Provident Credit Union is unable to finance branded or commercial vehicles. Smog certificate dated within last 90 days required for private party purchases. Term not to exceed 12 months per $1,000 financed. Quoted APR is for excellent credit.
| Terms | APR | Conditions |
|---|---|---|
| 1–48 months | 7.50% | Quoted APR is for excellent credit; actual payment is $24.18 per $1,000 balance. |
Sources (1)
- providentcu.org/products/auto-loans · captured Oct 7, 2026
Who can join Provident Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- You are eligible for membership based on where you live or work in Alameda County, City of Los Angeles, Contra Costa County, El Dorado County, Humboldt County, Monterey County, Placer County, Sacramento County, San Francisco County, San Mateo County, or Santa Clara County.
Employers and groups
- You are eligible for membership if you are an employee of a company belonging to one of the specified Chambers of Commerce.
- You are eligible for membership if you are employed by one of the qualifying participating employers.
- You are eligible for membership through membership or affiliation with one of the listed unions or associations.
Military, government and schools
- You are eligible for membership through affiliation with listed universities, colleges, schools, alumni associations, or teachers associations.
Family and household
- You are eligible for membership if you are related by birth, marriage, or adoption to, or live in the same household (maintaining a single economic unit) as, a current Provident Credit Union member.
1 more way to join
Family and household
- Members may sponsor immediate family members (spouses, parents, children, siblings, grandparents, grandchildren, stepparents, stepchildren, stepsiblings, and adoptive relationships) who are U.S. citizens or permanent residents.
Membership information collected October 5, 2026.