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Auto Loans

Auto Loans

Ahh... That "New Car" Smell.

So you’re ready to get into a fresh ride.

Whether you’re buying a new or used car, or refinancing your current one, Park View can put you behind the wheel with quick loan approvals and driver-friendly financing.

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man in the driver's seat of a car appears to be thinking about an auto loan.

Get Rewarded for Your Auto Loan

Win Up to $1,800 Toward Your Car Payments!

Finance your vehicle with Park View between June 1 and August 31 and be automatically entered to win our Auto Loan Sweepstakes!1

One lucky winner will receive up to $300/month toward their car payment for 6 months — that’s a total of up to $1,800 in payment relief!

Apply Now!

Financing Options

Get up to 130% financing for new or used vehicles or we can help refinance an existing loan from another financial institution.

Flexible Terms

With flexible terms and no application fee, we'll help you find the best auto loan term and rate to fit your needs.

Apply Before You Shop

Not quite ready to step on the gas? Apply today for your pre-approved auto loan that can be used for up to 60 days at a dealership.

Buying a new or used vehicle

Step into the driver's seat with our car loans, designed for both brand-new and pre-loved vehicles. With our competitive rates, accommodating terms, and swift approval process, your ideal ride is within reach.

Auto Loan Features

Fixed rates as low as 4.24% APR2 up to 36 months

Up to 130% financing3

No application fees

Easy loan application process

Refinancing options available4

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Refinancing your current loan

Still tethered to a high-interest auto loan at another financial institution? Shift gears with Park View. Refinance today and experience the freedom of a more manageable payment plan.

Refinance Auto Loan Features

Terms up to 84 months4

Up to 130% financing5

No application fees

Easy loan application process

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Get Started

Steps to Financing Your Vehicle

  • Apply Online Today

    Take the fast lane to your new car with our hassle-free online application. No fees, no fuss—just a streamlined process to get you behind the wheel in no time.

  • Get Pre-Approved6

    Lock in your rate and hit the road with confidence. Our pre-approval keeps your options open for 60 days, giving you the freedom to find the perfect ride.

  • Head to the Dealership

    With your pre-approval in hand, it’s time to go to the dealership and find your dream car. Shop stress-free, knowing your financing is locked in. 

  • Secure Your Auto Loan

    Our team will guide you through the final steps, ensuring a smooth purchase process.

Protect Your Ride

Auto Loan Add-Ons7

When you apply for your Park View vehicle loan, you have the option to add on these additional benefits to keep you and your ride protected.

Credit Life Insurance helps cover the loan balance in the event of a borrower's death.

Credit Disability Insurance helps cover loan payments if the covered borrower becomes totally disabled.

Mechanical Repair Coverage (MRC) helps protect against the cost and inconvenience of breakdowns.

Guaranteed Asset Protection (GAP) and Auto Deductible Reimbursement (ADR) help pay the vehicle's cost not covered by primary insurance when it is totaled or stolen.

Get Rewarded for Your Auto Loan

Save MORE with Loan Rewards!

Park View members with an Electrum Checking Account can earn 5% of the interest paid on their auto loan back—just for making on-time payments and meeting Electrum Checking qualifications for at least one month each quarter.

Explore Electrum Checking
Traveling together towards the sun by car. Driving and auto loan concept.

TruStage® Auto Insurance

Is Your Ride Protected?

Through our partnership with TruStage®, we offer car insurance with competitive rates and a member discount.

When it comes to protecting your loved ones and your possessions, you shouldn’t have to settle. Members enjoy top-notch protection at an affordable price.

Get a Free Quote

Frequently Asked Questions

Auto Loan FAQ

We answer some common questions about the auto loan experience at Park View.

For those who want to spend a little extra time talking through their options, our consumer lending team will always be happy to schedule a phone consultation or in-person appointment at an a Park View branch. Schedule an appointment or call 540.434.6444.

There are many ways to purchase a new or used vehicle. Park View is able to finance dealership loans, refinances, private party purchases, and clear title loans for both existing and prospective members. If you are unclear which type of loan applies to you, please contact a Consumer Loan Advisor at 540.434.6444.

Yes. Our team can create a loan projection for you without requiring a full application. This gives you an estimate of your potential payments based on the information you provide. Keep in mind, this is not a loan approval or guarantee of specific rates or terms. Final loan details—like rate, payment, and term—can only be determined through a completed application.

Not necessarily. While a higher credit score can help you qualify for lower interest rates and more favorable terms, we understand that everyone’s financial journey is different. It’s possible to get an auto loan even with a lower credit score. Our team will work with you to explore the best options available based on your unique situation. And if you're looking to improve your credit, we’re here to help guide you through that process too.

 

Yes, you can refinance your auto loan, and we’re happy to help you move your loan over to Park View Federal Credit Union. Existing Park View loans are not eligible for refinancing. Must qualify for membership.

 

APR stands for Annual Percentage Rate; the rate of interest that you will pay on the loan each year.

 

Loan Rewards let you earn back 5% of the interest you pay on your Park View auto loan, personal loan, or Home Equity Line of Credit—just for making on-time payments and meeting Electrum Checking qualifications for at least one month each quarter.

How much can I earn?

On a $20,000 loan at 5% APR over five years, you could earn over $130 back, deposited into your Rewards Account—which also earns 5.00% APY.

 

Ready to buy your next car?

Our fast and easy online application makes buying a new or used car easier than ever. Apply now or schedule an appointment with a loan advisor.

Disclosures

1Sweepstakes valid for auto loans funded between June 1 and August 31, 2025. No purchase necessary to enter or win. One winner will be selected to receive up to $300 per month toward their Park View auto loan payment for six (6) months, totaling up to $1,800. Auto loan must be originated through Park View during the promotional period. Loan must remain in good standing to receive monthly credits. Payment credits will be applied directly to the loan and cannot be exchanged for cash or applied toward other accounts. Not valid for existing Park View auto loans. Subject to credit approval. Terms, conditions, and restrictions apply. Offer subject to change without notice. Membership eligibility required. Insured by NCUA.
2Annual Percentage Rate (APR) is based on an evaluation of applicant's credit. Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors. Ask us about other APR and longer-term options. Representative payment example: A $25,000 loan at 4.24% Annual Percentage Rate (APR) for 36 months would require 36 monthly payments of $740.77. Rates are subject to change without notice.
3Vehicle value based on MSRP for new vehicles and NADA® retail values for used vehicles.
4Refinancing is not available on existing Park View loan balances. 
5Representative payment example: A $25,000 loan at 6.54% Annual Percentage Rate (APR) for 84 months would require 84 monthly payments of $371.72. 
6Subject to credit approval. Not all applicants will qualify.
7Not insured by NCUA; Not underwritten, issued, or guaranteed by NCUA or any other federal government agency; You are not required to purchase this as a condition of a loan.
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