SWITCH & Save!
Make the switch & DRIVE towards BIGGER savings by Refinancing your Auto Loan Today!
Features
- Refinancing from Another Institution is Easy
- Better rates.
- Better Payments.
- Better Banking with PCFCU!
- $100 Gas Card* AND Rates as Low as 4.74% APR**
*Offer valid August 1, 2026, through October 31, 2026, for current members and qualifying Pinal County, Arizona residents who refinance an eligible auto loan from another financial institution to Pinal County Federal Credit Union. Existing PCFCU auto loans, commercial vehicles, recreational vehicles, watercraft, and motorcycles are not eligible. Proof of current loan rate is required. Qualified borrowers will receive the lower of PCFCU's current published rate or 1.00% APR below their current lender's rate, with a minimum rate of 4.74% APR. Qualifying loans of $10,000 or more funded during the promotional period will receive one $100 gas gift card. Limit one gift card per qualifying loan.
**APR = Annual Percentage Rate. Rates are based on creditworthiness, credit score, vehicle model year, loan term, and other underwriting criteria. Subject to credit approval. Actual loan terms may vary based on creditworthiness and collateral. Membership eligibility required. Programs, rates, terms, and conditions are subject to change without notice. Payment example: $25,000 financed at 4.74% APR for 84 months = 84 monthly payments of $351.12. Other restrictions may apply, see credit union for details.
Rates & Fees
| Loan Type | APR |
|---|---|
| Used Auto | 5.74% - 17.99%* |
| New Auto | 5.74% - 17.99%* |
| *APR = Annual percentage rate. All lending offers are subject to credit approval. Actual rates may vary depending on term of loan, amount financed, age of vehicle/equipment and personal credit history. Rates quoted are subject to change. Some restrictions may apply. Equal Opportunity Lender. | |
Find the Right Car at the Right Dealer
Shopping for a car? With over 430 participating dealerships the process is easy and the dealer does all the paperwork. We also have loan officers available for questions and approvals.
Click here for your pre-approval and certificate today.
FAQs
You can apply at your favorite Pinal County FCU branch or online.
Yes, with a few additional requirements. Speak with one of our lending staff to find out how we can help finance your dream car.
A detailed description of the vehicle you are purchasing or refinancing will be required. Such information includes the year, make, model, VIN number, mileage, and optional equipment.