Vehicle Loans With Partners Financial FCU in Richmond, VA

Get low rates, flexible terms, and personalized local service when you choose a credit union vehicle loan from Partners Financial FCU. We offer affordable auto loans and recreational loans, plus convenient refinancing options if you have an existing auto loan with another lender. We can help you buy the vehicle you want with confidence!


Auto Loans

Enjoy low rates on new and used vehicles with terms up to 84 months. Take advantage of our simple application process, easy online and mobile banking tools, AutoSMART car buying service, extended warranties, and GAP insurance.


Auto Refinance Loans

Refinancing your auto loan gives you the chance to secure a better rate or change your loan term so you get a monthly payment that better suits your budget and goals. Plus, you can enjoy friendly local service!


Recreational Loans

Competitive rates and flexible terms enable you to buy a recreational vehicle that suits your lifestyle. Meanwhile, our extended warranty offers nationwide coverage for mechanical breakdowns and theft so you have peace of mind during your adventures.


Benefits of Credit Union Vehicle Loans

Lower rates are only the beginning. When you choose Partners Financial FCU for your vehicle loan, you will also enjoy a range of special features and benefits. We aim to provide a stress–free car-buying experience with affordable monthly payments.

✔ Low Interest Rates*

Buy the vehicle you want and save on interest with fixed rates starting as low as 5.99% APR*.

✔ Flexible Terms

Choose the loan term to suit your budget with a range of options for new, near new, and older vehicles.

✔ Simple Application Process

Our vehicle loan process is quick and easy, whether you apply online, over the phone, or in a local Richmond branch.

✔ Local Decision Making and Service

All loan decisions are made locally, and you can usually find out if you’re pre-approved within about 24 to 48 hours.

✔ 24/7 Account Access

Manage your account and make payments anytime, anywhere, with Mobile Banking and Bill Pay.

✔ Additional Coverage Tools

Explore our GAP and Extended Warranty options so you can protect your vehicle and your loan.


How to Apply for Vehicle Loans in Richmond, VA

  1. Contact us by phone, email, or in person at a branch and we’ll get you off to the right start.
  2. Submit your application online or by mail and get pre-qualified to find out your likely loan amount and rate.
  3. Once approved, we’ll give you a blank check so you can shop for a car with your financing ready to go.



“The loan officer was well educated in his field of expertise and helpful in getting me an affordable loan. I tell everyone if they’re looking for a credit union bank, to check out Partners Financial Federal Credit Union. Thank you all for your ongoing excellent service.”

– R. Rowe, Richmond, VA

FAQ About Vehicle Loans

What credit score do you need to get an auto loan? ⮟

While your credit score is part of the application, it is not the only or most important factor in our decision. We also look at your income, other debts, employment history and the amount you want to borrow. In general, the higher your score, the greater your chance of approval. But we work with members with all credit scores to help them get financed.

What rate will I get for my vehicle loan? ⮟

Your auto loan rate will be determined by:

  • Your credit score – higher scores get lower rates.
  • Loan repayment history
  • The loan term you choose – shorter loan terms get lower rates.

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

What vehicles can I buy with a Partners Financial FCU vehicle loan? ⮟

You can buy a wide range of new and used vehicles with a credit union auto loan, including cars, SUVs, trucks, RVs, boats, motorcycles, and more. Our loans extend to vehicles of any age and mileage. Keep in mind that newer vehicles get lower rates, and shorter loan terms.

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.

When should I consider an auto loan refinance? ⮟

You may consider an auto refinance loan if:

  • The interest rate you qualify for is lower than your current interest rate.
  • Your credit score has improved since applying for your current auto loan.
  • You can shorten your current loan term to pay less over time.
  • You have less income and want a lower payment to keep other finances afloat.

What are the benefits of credit union vehicle loans? ⮟

Credit unions are member-owned not-for-profit financial institutions, so they pass on their profits to their members through lower rates and fewer fees. That alone means you’ll save money by financing through a credit union. But there are other benefits too.

Credit unions are known for their outstanding local service and commitment to their community. Loan decisions are made locally and not by an impersonal algorithm, so you’ll have a much more personable experience. And credit union members enjoy special benefits that aren’t usually offered by the bigger banks.

*APR = Annual Percentage Rate. 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.

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).