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Auto Loans

Whether you’re in the market for a new or used vehicle, we’ve got auto loans that’ll get you behind the wheel quicker. Plus, you don’t have to make any payment for 90 days.*

Get behind the wheel of your next vehicle with Peak

Shopping for a new or used vehicle in today’s market requires flexibility. You need to be able to move fast when you find a car or truck you want. Get pre-approved quickly for a Peak auto loan. You can even apply online. You deserve to get behind the wheel of a vehicle that catches your eye – and gets you where you want to be in life.

Not a fan of your current auto loan? Ask us about our refinancing options.  

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Save More with an Auto Refi!  

For a limited time, we're offering a 1% APR** discount off our current Peak auto loan rates when you refinance your auto loan from another financial institution.

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**APR = Annual Percentage Rate. All loans subject to approval. Rates range from 6.24%-15.99%. Rates and terms are based on the borrower’s credit qualifications and subject to change. Promotion valid on any refinanced auto loan from an outside financial institution. Not valid on current Peak auto loans or new auto loans. Offer is a 1.00% rate reduction off qualified loan rate. No minimum loan amount required for 24-60 month terms. $10,000 minimum loan amount required for 72 month term. $15,000 minimum loan amount required for 84 month term. Interest will accrue during the 90-day no payment period. Estimated monthly payment example = $169.82 per $10,000 (payment example is based on 6.49% APR and a term of 72 months). Offer valid July 1 – December 31, 2025. Toter and Toter Home Vehicles, commercial, commercial use or fleet vehicles, branded, salvaged, or rebuilt titles are not eligible for this offer. Contact Peak at (800) 258-3115 for additional rates and details.

Here are other reasons to consider an auto loan with Peak:

  • Low, flexible rates
  • Quick pre-approval
  • No payments for 90 days*
  • Refinancing on current loans
  • Loans for dealership and private auto sales

Get pre-approved today! Call us at (800) 258-3115, apply online, or visit your local branch.

Calculate your payments

Want to estimate what your loan payments would be? Use this handy calculator.

 

Current Rates

New or used autos

APR* as low as

6.24%

Refinance

APR* as low as

6.24%

Cash-out Refinance

APR* as low as

7.24%

*APR = Annual Percentage Rate. APR is fixed. Valid for new and used personal vehicles only. Toter and Toter Home Vehicles, commercial, commercial use or fleet vehicles, branded, salvaged, or rebuilt titles are not eligible for this offer. All loans subject to approval. Quoted rate is the lowest available rate, reflects all possible discounts, and is accurate as of October 2, 2025. Rates range from 6.24%–15.99% fixed APR. The estimated monthly payment example is now $169.82 per $10,000 (this payment example is based on 6.49% APR and a term of 72 months). Your rate will be based on your credit history and may be higher. Rates and terms are subject to change without notice. Interest accrues during initial 90 day no payment period. For details and additional rates, please contact Peak Credit Union at (800) 258-3115.

Get the Auto Insurance & Resources You Need

If you need auto insurance, Peak has got you covered. Our Insurance Services team can help you shop around for rates that fit your needs. New to buying a car? Access resources through our partnership with MoneyEDU.

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Vehicle Insurance

Whether you travel via automobile, motorcycle, or even boat, you deserve to enjoy the ride. Don’t sweat the small stuff. We’ve got you covered with a variety of vehicle insurance options.**

Get a Free Vehicle Quote
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GAP & ADR Coverage

If your car is stolen or totaled, GAP covers the difference between your insurance payout and what you still owe—so you’re not stuck with a big bill. Plus, ADR reimburses up to $500 of your insurance deductible per loss, putting money back in your pocket when you need it most.

Learn More
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Car Buying Resources

New to buying a car? We’ve partnered with Balance to provide you with resources and tools that can help make the process easier for you. 

Learn More

** Insurance products and services are offered through and underwritten by SELCO Group Inc., dba TwinStar Insurance, which provides insurance services for Peak Credit Union as an independent contractor. SELCO Group Inc. is a licensed insurance company domiciled in the State of Oregon. Business conducted with TwinStar Insurance is separate and distinct from any business conducted with Peak Credit Union. Products offered through TwinStar Insurance are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the Peak Credit Union, and may be subject to risk. Any insurance required as a condition of an extension of credit by Peak Credit Union may be purchased from an agent or insurance company of the member’s choice.

Get Pre-approved Today!

Get behind the wheel of your new vehicle faster. Our pre-approval process is quick, easy, and seamless. You'll be driving off the lot in no time.

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