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Pacific Marine Credit Union Auto Loan & Refinance Rates

Christine Spencer

Auto Loan Expert

Pacific Marine Credit Union Auto Loan Rates


New Car Loan APR


Used Car Loan APR

The Pacific Marine Credit Union has fast and efficient loan pre-approval.
Loan rates and other conditions may change without notice.
Pacific Marine Credit Union (PMCU) offers reliable car loans, boat loans and other kinds of recreational vehicles loans. According to our review, it earns good ratings due to its versatile loans.
Pacific Marine Credit Union Auto Loan Rates

With more than seventy-three thousand (73,000) members, the Oceanside, CA-based company has stretched its borders reaching new counties every year.  You can get the vehicle of your choice that suits your credit scores and your level of income.

To offer you the auto loan that gets you the vehicle you have always imagined owning, Pacific Marine Credit Union (PMCU) has partnered with prestigious auto companies. The companies include Auto loan, a premier auto buying agency and Enterprise Car sales. Pacific Marine Credit Union (PMCU) has an online blog which helps clients get skills in the financial field.

Exemplary Annual Percentage Rates

The credit union offers new car loans with interest rates as low as 1.5% APR and a financial term of 60 months for 100% financing.

The used cars, starting from 2010 models, have APRs of 2.5% if your financing rate is 80%.

A 100% financing rate attracts a 2.97% APR on the used cars.  The terms for used cars go up to 60 to 72 months.

Guaranteed Asset Protection (GAP) option

At Pacific Marine Credit Union (PMCU), you do not have to worry about the losses incurred when your vehicle is stolen.

The GAP option is an insurance for lost or stolen vehicles.


Application and repayment

Applying for the auto loan is very simple. It is done online, by phone or in person at the credit union’s physical branch.

People usually opt for the online application due to its convenience. You are required to fill the form and sign the documents online.

You soon after receive an approval or denial notification. Our review finds this to be very impressive.

Customer Support

With a team of committed, dedicated and highly trained personnel, Pacific Marine Credit Union (PMCU) is on the track to provide its members with an ultimate experience. The customer support team will also guide you through the application process to the insurance part until they are sure that you have made right financial decisions.


The company has an experience of more than 64 years and this gives the auto loan company an upper hand in providing efficient and satisfactory services.