Category Archives: Loans


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How to Refinance a Car Loan

Posted on March 10, 2022
If you took out a loan to buy your car, you’re not stuck with your initial auto loan rate forever. In fact, refinancing your auto loan is a relatively painless process and can trim a decent amount off your monthly payment or give you a little extra wiggle room if you’re struggling to make your payments each month. If you’re wondering where to start when it comes to refinancing your ...Read More
A man in sunglasses stands near his new car after answering the question, "How much car can I afford?

How Much Car Can I Afford?

Posted on March 3, 2022
The process of buying a car can seem overwhelming with all the brands, models, and options that exist. If you’re asking yourself, “How much car can I afford?” start with taking a closer look at your monthly take-home pay and expenses. The search begins before you even set foot on the lot! Read below for our advice on finding your new ride. Get Your Budget on Track Go into the ...Read More
a woman smiles joyfully in her new vehicle after a pleasant car buying experience

7 Best Car Buying Tips From Our Financial Experts

Posted on February 3, 2022
There are several important things to keep in mind when you are in the market for your next car. Paying attention to considerations like getting pre-approved, shopping around, financing for the shortest time possible, avoiding upgrades, and buying a used car to avoid the depreciation hit can make a huge difference in your car buying experience. Keep reading to learn the best car buying tips and secrets from our financial ...Read More
a couple talks with a salesman at the dealership about how to finance a used car

How to Finance a Used Car

Posted on January 27, 2022
When you’re in the market for a used car, there are several ways that you can obtain financing.  Buying a pre-owned vehicle can be a wise financial choice versus financing a brand new vehicle that will lose value the moment you drive it off the lot. Educating yourself on the various options, and the main considerations for financing a used vehicle, can save you a ton of money over the ...Read More
A happy couple stands in front of their new car after securing a car loan with fair credit.

6 Steps to Getting a Car Loan With Fair Credit

Posted on January 11, 2022
Everyone deserves a chance to make amends and that's especially true when it comes to your credit score. There's no reason a few mistakes in your financial history should stand in the way of a good auto loan.  By following some simple steps, you should be able to bounce back from the past and enjoy a secure future. Read on to find out how you can qualify for a car ...Read More
a man buys a used luxury car from a private seller and they shake hands after sealing the deal

How to Get a Loan for a Used Car When Buying From a Private Seller

Posted on January 4, 2022
Buying a used car is a great choice for many people. Used cars hold their value better than new cars. Plus, they come in all shapes and sizes to suit every budget and lifestyle.  But what can you do if you see your ideal car for sale in a place that's not a traditional dealership? Read on to find out how to get a loan for a used car from ...Read More
A father sits with his daughter behind the wheel of a car when a mother smiles after refinancing a car loan

The Pros and Cons of Refinancing a Car

Posted on December 2, 2021
Refinancing a car loan can save you a good amount of money over the lifetime of the loan and even significantly lower your monthly payment. However, it may not always be the right financial move for you. We’ll cover the pros and cons of refinancing a car and when you should consider pursuing a new auto loan. Pros of an Auto Refinance Most applicants for an automotive refinance are great ...Read More
An African American woman smiles while holding on to the door of a bright red car.

Comparing the Costs of Buying a New vs. Used Car

Posted on November 19, 2021
You can feel it: it’s time to go car shopping. It can happen for any number of reasons.  Maybe a new commute further away means you need to save money by switching to a more fuel-efficient car. On the other hand, maybe you’ve been walking, biking, or taking public transportation, but it’s time to switch to a vehicle. Changes in the size of your family also affect the financial decisions ...Read More
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Where to Get an Auto Loan: Bank vs. Credit Union

Posted on November 12, 2021
When it comes time to obtain your next auto loan, you might be wondering where you can go to get the best possible rates and the best deal. Who comes out ahead in the auto loan bank vs. credit union debate? Offerings for auto loans from banks vs. credit unions can vary widely, but typically credit unions are able to offer more favorable terms and better service. Keep reading to ...Read More
a young woman excitedly holding the no credit credit card she was approved for

5 Ways to Build Credit When You Have None

Posted on September 20, 2021
Getting approved for financing is one of those classic chicken vs. egg situations. You need to prove your credit history to get the loan or credit card you want -- but you can't build credit if you've never had a loan or credit card in the first place.   Luckily, there are a few simple ways you can start building your credit score today so that you'll be able to borrow ...Read More



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A $15. Convenience fee will be automatically added to your payment amount. Your maximum total payment amount (including the $15 convenience fee) cannot exceed $800. Payments initiated and approved by 3:00pm will be applied to your loan on the same business day. Payments initiated and approved after 3:00pm, or on a day that the credit union is closed (weekends and holidays), will be applied on the next business day. If you have a PFFCU debit card, please log into home banking to make your loan payment.

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Excludes mortgages and home equity lines of credit. A $25 fee is due at set-up for each loan. Loan must have been open for at least 6 months. Past due accounts do not qualify. One skip-a-pay allowed per calendar year (Jan-Dec).