Auto Loan Rates 

Get the vehicle you need to elevate your lifestyle with a low-interest auto loan from Partners Financial. Why wait to get your dream ride when you can get auto loan financing today!

Take advantage of these benefits with your Partners Financial auto loan:

  • Low, fixed interest rates
  • Generous loan terms
  • Easy online application to get pre-approved
  • Friendly, local service

Whether you want to buy a new or used vehicle, Partners Financial FCU has got you covered with competitive auto loan rates and terms to suit every budget.

Richmond Auto Loan Rates

Our auto loan rates are affordable – just remember that shorter terms get you a lower APR while longer terms get you a lower monthly payment. The choice is yours!

Type of Loan Loan Term Platinum Rate Next Steps
New/Like New Auto Loans (2019-2023) Up to 60 months, $15,000 min. 3.24% APR* Apply Now
New/Like New Auto Loans (2019-2023) Up to 75 months, $20,000 min. 3.54% APR* Apply Now
New/Like New Auto Loans (2019-2023) Up to 84 months, $25,000 min. 3.94% APR* Apply Now
Used Auto Loans (2014-2018) Up to 75 months, $20,000 min. 4.74% APR* Apply Now
Used Auto Loans (2013 and older) Up to 60 months, $15,000 min. 6.29% APR* Apply Now

Type of Loan: New/Like New Auto Loans (2019-2023)
Loan Term: Up to 60 months, $15,000 min.
Platinum Rate: 3.24% APR*
Next Steps: Apply Now

Type of Loan: New/Like New Auto Loans (2019-2023)
Loan Term: Up to 75 months, $20,000 min.
Platinum Rate: 3.54% APR*
Next Steps: Apply Now

Type of Loan: New/Like New Auto Loans (2019-2023)
Loan Term: Up to 84 months,$25,000 min.
Platinum Rate: 3.94% APR*
Next Steps: Apply Now

Type of Loan: Used Auto Loans (2014-2018)
Loan Term: Up to 75 months, $20,000 min.
Platinum Rate: 4.74% APR*
Next Steps: Apply Now

Type of Loan: Used Auto Loans (2013 and older)
Loan Term: Up to 60 months, $15,000 min.
Platinum Rate: 6.29% APR*
Next Steps: Apply Now

*The Annual Percentage Rate (APR), amount financed and loan term may vary depending upon your creditworthiness. Terms and amount loaned on vehicles is based on member’s overall financial profile, collateral loan/value and credit history. Please ask a loan officer for detailed information. Rates subject to change without notice.

Learn More About Auto Loans

Auto Loan Refinance Rates

If you already have an auto loan with another lender, you might want to consider refinancing through Partners Financial FCU. See if you qualify for a lower rate, save on interest, and adjust your loan term to suit your goals. Plus, we care about our members!

Learn More About Auto Refinance Loans

Richmond Auto Loan Rates FAQs

What auto loan rate will I get?

Your auto loan rate will be determined by:

  • Your credit score
  • Loan repayment history
  • The loan term you choose

Get in touch with Partners FCU today for more information about how credit works and how you can improve your score.

Why should I get my auto loan pre-approved?

Auto loan pre-approval means you can show up at the dealership (or negotiate online!) with a check ready to go. The seller will take you seriously as a buyer and you won’t need to worry about how much car you can afford because you already know your budget.

Plus, you can avoid the risk of hidden fees getting rolled into the sticker price or APR!

How can I figure out my ideal car payment?

You can use Partners Financial FCU’s loan calculator resource to see how a different purchase price and APR can affect your monthly payment.

Enjoy Your Car Buying Experience With Partners Financial!

Buying a car should be fun. That’s why Partners offers great auto loan rates so you think less about the financing and more about the vehicle you want to purchase!

Contact Us

You are leaving the Partners FFCU website and will be linked to an alternate Internet site not operated by the credit union. Partners FFCU is not responsible for the content of the alternate Internet website. Partners FFCU does not represent either the third party or you if the two of you enter into a transaction. Please be aware that privacy and security policies on the website to which you are being taken may differ from those practiced by Partners FFCU.

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.

Please select OK to confirm and continue to the payment form.

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).