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Vehicle Loans

Peninsula Federal Credit Union has different options when it comes to financing your vehicle. You can choose between a conventional vehicle loan, and a Stop-N-Go loan.

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What type of auto purchase are you looking to make?

New auto

Used Auto

Not sure, need assistance

Looking to buy or lease test?

Buy

Lease

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Are you under 18 years of age?

Yes

Are you looking for an adult to co-sign on the loan?

Yes

Are you on a tight budget?

Yes, on a tight budget

No, got money to burn

This this your first auto purchase?

Yes

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Auto Leasing

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Certificate of Deposit

Before opening a certificate, you will want to make sure you can do without the money for the duration of the term you’ve selected. You should also consider whether rates are likely to rise or fall in the future before you make your decision.

Our Certificates:

Require a minimum of $1,000 to open
Compound and pay dividends at maturity or monthly, depending on the term
Automatically renew at maturity for the same term at the current prevailing rate unless otherwise noted

You'll also have peace of mind knowing your accounts are insured up to $1,000,000. Federally insured by the NCUA up to $250,000 and insured up to an additional $750,000 by Excess Share Insurance, a private insurance company.

Coverdell ESA

Start saving for college costs!

Contribute up to $2,000 annually to a Coverdell Education Savings Account
Earn guaranteed returns that exceed the interest rates on most savings accounts
Tax-deferred earnings
Withdrawals used for qualified education expenses are tax-free at the federal level
Account can also pay for private elementary and secondary school tuition
Unused funds are transferable to a qualified family member

Some families combine Coverdell Education Savings Accounts with other college savings plans. Make an appointment with one of our Investment Planning advisors to discuss all the ways to save for college.

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Conventional Loans

No down payment required
Up to 72 months on new and select used cars
- 84 month option available for purchases over $40,000
Debt protection and GAP options available for purchase
Loan is paid in full at the end of the term

Apply Now

Stop-N-Go Loans

What is a Stop-N-Go Loan?

A Stop-N-Go is a "lease-like" loan that allows you to pay a lower amount monthly with a lump sum to either payoff or refinance at the end of the term. There is also a "walk away" option at the end of the term if you are no longer wanting to keep the vehicle once your term is up.

What are the benefits of a Stop-N-Go over leasing?

You Own the Vehicle: Unlike leasing, the vehicle is titled in your name. This offers you more flexibility both during and at the end of the loan.

No Down Payment or Security Deposit Required: Most leases require a down payment, often referred to as "Capitalization Cost" and a security deposit - whereas the Stop-N-Go Loan option does not.

No First & Last Payments Required: Many leases require the first and last payments to be made at the time of loan disbursement - our Stop-N-Go loan does not.

Stop and Go Neon

Options, Eligibility, and Information:

Vehicles 5 years old and newer are eligible
Terms up to 72 months available
Debt protection and GAP options available for purchase*
Mileage options of 12,000, 15,000, or 18,000 miles per year. (Excess mileage cost is $.10 per mile. This is only paid if the "walk away" option is selected)

Local Return Option: If you move during the term of a Stop-N-Go Loan and elect to return the vehicle, it may be returned locally. Many leases require you to return the vehicle to the original dealership, and if you have moved you will be responsible for the cost of returning it.

No Early Payoff Penalty: Because you own the vehicle you may pay the loan off, sell the vehicle or use it as a trade-in at any time during the term of the loan - without any penalty. With a lease you do not normally have these options without a stiff 'early lease termination" penalty.

No 'Back End' Surprises: You will not be exposed to any hidden expenses during the term of the loan or at loan end if you elect to return the vehicle, Leases can have an excess wear and tear clause that is not clearly defined. In contrast, the Stop-N-Go Loan clearly defines the vehicle return condition requirements.

Private Auto Insurance Flexibility: With a Stop-N-Go Loan, you can determine what private auto insurance coverage you need. Most lease programs/companies dictate the minimum private collision and/or liability insurance coverage you must have. This is because with a lease, the lease company owns the vehicle and has exposure to liability in the event you are involved in an accident.

Realistic Residual Value: The Stop-N-Go Loan uses standard industry residual values. The residual value is not inflated to arrive at an arbitrary lower payment. This means if you elect to keep the vehicle upon loan termination you will not have to pay an inflated price to pay off the loan.

Get Started

Loan Tools

Vehicle Value Information

Payment Calculator

Debt Protection

Peninsula FCU offers a variety of premium coverage options to purchase for select loan products.

LifePlus

LifePlus can cover balance cancellation in the event of Death, Terminal Illness, and Accidental Dismemberment. It can also cover payment cancellation in the event of Hospitalization, Family Medical Leave, and Loss of Life of a Non-Protected Dependent.

LifePlus Disability

LifePlus Disability can cover everything that LifePlus can on its own, as well as potential payment cancellation due to accident and sickness.

LifePlus Disability and Involuntary Unemployment

LifePlus Disability and Involuntary Unemployment includes the same benefits of LifePlus Disability with the addition of potential payment cancellation in the event of involuntary unemployment.

Guaranteed Asset Protection (GAP)

Peninsula Federal Credit Union is proud to offer GAP on a variety of secured loans. GAP can assist in paying off a loan if the collateral is totaled and your insurance company does not cover the full balance with their settlement amount. Deductible assistance can also be available for repairs the vehicle may need.

**For more information on Consumer Debt Protection and GAP, please contact the credit union.**

*Debt protection and GAP products sold through or in the credit union are not insured by the National Credit Union Administration and are not issued, guaranteed, or underwritten by the credit union or the National Credit Union Administration or any other federal government agency. There is no requirement or obligation to purchase these premiums from the credit union or any subsidiary, affiliate, or particular unaffiliated third party as a condition to obtaining a loan, and a decision on these premium coverage options will not affect the credit terms in any way. The credit union may not condition an extension of credit on an agreement not to obtain, or a prohibition on the applicant from obtaining a premium product or annuity from an unaffiliated entity.

Mechanical Breakdown Protection

Peninsula Federal Credit Union also offers Mechanical Breakdown Protection (MBP) on our auto loans. MBP is here to help you when it comes to the cost of mechanical and electrical vehicle repairs. MBP also offers services such as rental car allowance, 24/7 roadside assistance, and towing. You can add MBP to auto loans for new or used vehicles.

Not all vehicles are applicable. Coverage varies upon package that was purchased. Claims must be submitted through a Route 66 Representative. Route 66 is a vendor of Peninsula Federal Credit Union and thus we are not responsible for decisions Route 66 makes and/or reimbursements made.

Benefits of Mehanical Breakdown Protection (MBP)

$0 Deductible on Repairs
Total Loss Refund
24/7 Roadside Assistance & Towing
Rental Car Allowance
Hybrid Battery Coverage

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Vehicle Loans

Vehicle Loans

Peninsula Federal Credit Union has different options when it comes to financing your vehicle. You can choose between a conventional vehicle loan, and a Stop-N-Go loan.

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Conventional Loans

Stop-N-Go Loans

What is a Stop-N-Go Loan?

What are the benefits of a Stop-N-Go over leasing?

Options, Eligibility, and Information:

Loan Tools

Debt Protection

LifePlus

LifePlus Disability

LifePlus Disability and Involuntary Unemployment

Guaranteed Asset Protection (GAP)

Mechanical Breakdown Protection

Benefits of Mehanical Breakdown Protection (MBP)

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