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Better used car loan value

Used car loans now to 48 MONTHS as low as 1.50% APR*

Used car loans now to 66 MONTHs as low as 2.25% APR*

Apply today

With cars today being built better and lasting longer, an experienced vehicle can be a terrific value. And while many lenders won't make loans on vehicles more than five years old, we do. In fact, we've enhanced our used car loans so you get the car you want even if it's got a few years on it.

Model year Terms to
2011 66 months (75- and 84-month terms at slightly higher rates)
2007-2010  60 months
2006 48 months
  • Up to 120% of Kelley Blue Book value for model years newer than 2006
  • For vehicles with less than 100,000 miles

Autoland finds used cars too
If you're looking for a used car, Autoland, our car search partner, can find it. Tell an advisor what you'd like and let them go to work.

Apply today.

*Annual Percentage Rate and term effective 1/1/15 and subject to change without notice. Rate includes 0.50% basis point discount for the Point Loma Relationship Pricing Plan, but at no time will the APR be less than the credit union's floor rate of 2.00% (1.50% for 48-month loan term). Loans subject to approval. Must meet membership guidelines. Other rates available for model years not reflected. If the vehicle registration is expiring within 60 days, PLCU will finance the registration. Monthly payment per $1,000 borrowed for 48 months on a $20,000 loan at 1.50% APR: $21.48; for 66 months at 2.25% APR: $16.12.

 

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