Credit union · NCUA insured
The Police Credit Union Auto Loan Rates
The Police Credit Union auto loans start at 4.84% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How The Police Credit Union’s auto loan rates compare
Compared with banks and credit unions near San Francisco, CA, where The Police Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
The Police Credit Union
4.84%APR
- Terms
- 37–60 months
- Up to
- —
- Discount
- None included
New Auto Loans
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
The Police Credit Union auto loan score
85
Auto loan score
Higher than 69% of U.S. banks and credit unions
- New vehicleNew4.84%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where The Police 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 Loans - Early Model Autos 2004-2016
Early Model Autos 2004-2016. Assumes excellent borrower history. Financing may include purchase price, including tax, license, warranty, GAP, based on Low Blue Book. No pre-payment penalties.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 7.39% | — |
| 37–60 months | 7.69% | — |
| 61–72 months | 8.19% | — |
Sources (1)
- thepolicecu.org/vehicle-loans/vehicle-loan-rates · captured Oct 6, 2026
First Time Auto Buyer Loan
Financing may include purchase price, tax, license, GAP, based on up to 90% of Blue Book. Loan amounts up to $15K. Assumes excellent borrower history. No pre-payment penalties.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 7.64% | Financing may include purchase price, tax, license, GAP, based on up to 90% of Blue Book |
| 37–60 months | 7.94% | — |
Sources (2)
- thepolicecu.org/vehicle-loans/first-time-auto-buyer-loan
- thepolicecu.org/vehicle-loans/vehicle-loan-rates
All captured Oct 6, 2026
Motorcycle Loans
Financing may include purchase price (based on cash price), tax, license, warranty, & GAP. Rates, terms, and conditions are subject to change without notice. There are no pre-payment penalties on early payoff of loans.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 7.14% | Financing may include purchase price (based on cash price), tax, license, warranty, & GAP. |
| 37–60 months | 7.64% | Financing may include purchase price (based on cash price), tax, license, warranty, & GAP. |
| 1–36 months | 7.69% | Financing may include purchase price (based on cash price), tax, license, warranty, & GAP. |
| 37–60 months | 8.19% | Financing may include purchase price (based on cash price), tax, license, warranty, & GAP. |
Sources (1)
- thepolicecu.org/vehicle-loans/vehicle-loan-rates · captured Oct 6, 2026
New Auto Loans
2026 or 2025 with 7,500 miles or less. Maximum vehicle mileage 175,000. 73-84 month term requires a minimum loan amount of $25,000. Assumes excellent borrower history. Out-of-state vehicles may be acceptable on franchise dealer transactions only. Membership required prior to loan funding. Max loan amount up to $150,000.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 4.74% | LTV <= 75% |
| 1–36 months | 4.99% | LTV > 75% |
| 37–60 months | 4.84% | LTV <= 75% |
| 37–60 months | 5.09% | LTV > 75% |
| 61–72 months | 5.09% | LTV <= 75% |
| 61–72 months | 5.34% | LTV > 75% |
| 73–84 months | 5.49% | LTV <= 75%; minimum loan amount $25,000 |
| 73–84 months | 5.74% | LTV > 75%; minimum loan amount $25,000 |
Sources (2)
All captured Oct 6, 2026
Used Auto Loans
2017 to 2025. Maximum vehicle mileage 175,000. 73-84 month term requires a minimum loan amount of $25,000. Assumes excellent borrower history. Out-of-state vehicles may be acceptable on franchise dealer transactions only. Membership required prior to loan funding. Max loan amount up to $150,000.
| Terms | APR | Conditions |
|---|---|---|
| 1–36 months | 4.79% | LTV <= 75% |
| 1–36 months | 5.04% | LTV > 75% |
| 37–60 months | 4.99% | LTV <= 75% |
| 37–60 months | 5.24% | LTV > 75% |
| 61–72 months | 5.24% | LTV <= 75% |
| 61–72 months | 5.49% | LTV > 75% |
| 73–84 months | 5.79% | LTV <= 75%; minimum loan amount $25,000 |
| 73–84 months | 6.04% | LTV > 75%; minimum loan amount $25,000 |
Sources (2)
All captured Oct 6, 2026
Who can join The Police Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.