Vehicle Loans

  • Competitive rates
  • Flexible terms
  • Get preapproved before you shop, or directly at the dealership

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Purchase or Refinance a Car, Truck or RV from now through the end of April and MAKE NO PAYMENTS FOR 90 DAYS!*

*See full terms below. Existing PFCU loans are not eligible. Loan interest accrues from loan origination date.

 

With vehicle loan rates at all time lows, now is the perfect time to buy the car, truck or SUV you've been wishing for. You can refinance your current vehicle loan from another financial institution because with a loan from Pioneer, you could save big time! We also partner with most dealers which means you can walk into most any dealership and ask for Pioneer financing on the spot - it's really that simple!

Have a question or want to speak with someone about starting an application? Call us at (208) 587-3304 or you can start your application online right now!

  • Pioneer Insurance Agency, a division of Pioneer Financial Services, L.L.C. is an independent insurance agency committed to client satisfaction and forming relationships that last a lifetime. For more information and a free auto insurance quote, please visit www.pfs-insurance.com.

 

Vehicle Loans 2014-2011
Credit Rating 36 Months APR* 48 Months APR* 60 Months APR* 72 Months APR* 84 Months APR*
A+ 2.49% 2.49% 2.79% 2.99% 3.99%
A 2.49% 2.49% 2.79% 2.99% 3.99%
B 3.49% 3.49% 3.79% 3.99% 4.99%
C 5.49% 5.49% 5.79% 5.99% 6.99%
D 7.49% 7.49% 7.79% 7.99% -
E 8.49% 8.49% 8.79% 8.99% -
Vehicle Loans 2010-2008
Credit Rating 36 Months APR* 48 Months APR* 60 Months APR* 72 Months APR*
A+ 2.49% 2.49% 2.79% 2.99%
A 2.49% 2.49% 2.79% 2.99%
B 3.49% 3.49% 3.79% 3.99%
C 5.49% 5.49% 5.79% 5.99%
D 7.49% 7.49% 7.79% 7.99%
E 8.49% 8.49% 8.79% 8.99%
Vehicle Loans 2007, 2006, and 2005.
Credit Rating 36 Months APR* 48 Months APR* 60 Months APR* 72 Months APR*
A+ 2.49% 2.49% 2.79% 2.99%
A 2.49% 2.49% 2.79% 2.99%
B 3.49% 3.49% 3.79% 3.99%
C 5.49% 5.49% 5.79% 5.99%
D 7.49% 7.49% 7.79% 7.99%
E 8.49% 8.49% 8.79% 8.99%

For rates on vehicles made before 2005, please contact us by calling (208) 587-3304, stop in any of our 12 convenient branches, or email us at pfcu@pioneerfcu.org.

Rates as of January 1, 2014.

*Annual Percentage Rate (APR) is accurate as of publication date and is subject to change. APR is based on qualified credit.  For example, a vehicle loan at 2.49% APR with 36 monthly payments of $28.85 per $1,000 borrowed or a vehicle loan at 2.59% APR with 60 monthly payments of $17.78 per $1,000 borrowed. Application fee may apply.  All loans subject to credit approval. All rates are subject to change as a result of Board of Directors' action. Other conditions may apply.