How to Get Started
Ready to take the wheel? Applying for an auto loan with Penlanco FCU is simple. Visit our branch, or apply online. Our team is here to guide you through the process and help you every step of the way.
Drive your dream car with confidence and affordability. Choose Penlanco FCU for your next auto loan and experience the difference of borrowing with a trusted partner who puts you first.
All Penlanco FCU Auto Loans qualify for Penlanco Perks — earn up to 0.30% off your already low rate. Click here for details.
New Vehicles is defined as previously untitled or the original owner within 6 months of purchase.
| TERM | 730 + FICO | 690-729 FICO | 650-689 FICO | 610-649 FICO | <610 FICO |
|---|---|---|---|---|---|
| 3 years | 4.65% | 5.15% | 6.65% | 8.65% | 10.65% |
| 5 years | 4.95% | 5.45% | 6.95% | 8.95% | 10.95% |
| 6 years | 5.15% | 5.65% | 7.15% | 9.15% | 11.15% |
| 7 years | 5.55% | 6.05% | 7.55% | 9.55% | 11.55% |
Rates shown are Annual Percentage Rate (APR). APR is based on borrower(s) TransUnion credit score(s).
All Penlanco FCU Auto Loans qualify for Penlanco Perks — earn up to 0.30% off your already low rate. Click here for details.
| TERM | 730 + FICO | 690-729 FICO | 650-689 FICO | 610-649 FICO | <610 FICO |
|---|---|---|---|---|---|
| 3 years | 4.65% | 5.15% | 6.65% | 8.65% | 10.65% |
| 4 years | 4.95% | 5.45% | 6.95% | 8.95% | 10.95% |
| 5 years | 4.95% | 5.45% | 6.95% | 8.95% | 10.95% |
| 6 years | 5.15% | 5.65% | 7.15% | 9.15% | 11.15% |
| 7 years | 5.55% | 6.05% | 7.55% | 9.55% | 11.55% |
Rates shown are Annual Percentage Rate (APR). APR is based on borrower(s) TransUnion credit score(s).
All Penlanco FCU Auto Loans qualify for Penlanco Perks — earn up to 0.30% off your already low rate. Click here for details.
| TERM | 730 + FICO | 690-729 FICO | 650-689 FICO | 610-649 FICO | <610 FICO |
|---|---|---|---|---|---|
| 3 years | 5.25% | 5.75% | 7.25% | 9.25% | 11.25% |
| 4 years | 5.45% | 5.95% | 7.45% | 9.45% | 11.45% |
| 5 years | 5.65% | 6.15% | 7.65% | 9.65% | 11.65% |
Rates shown are Annual Percentage Rate (APR). APR is based on borrower(s) TransUnion credit score(s).
Loan Calculator
The Penlanco FCU Advantage
Member-Centric Service
As a member-owned credit union, we put you first. Our friendly and knowledgeable staff are dedicated to providing personalized service, helping you navigate the loan process with ease and ensuring you find the best loan solution for your needs.
Quick and Easy Application Process
Applying for an auto loan with Penlanco FCU is fast and hassle-free. Our streamlined application process allows you to get pre-approved quickly, so you can shop for your vehicle with confidence. For fastest service, upload your verification of income as part of the online loan application process.
Trusted Community Partner
As a member-owned credit union, Penlanco FCU is deeply rooted in the community. When you borrow from us, you’re supporting an institution that reinvests in the local area and its residents. We’re committed to your financial well-being and the prosperity of our community.