Vehicle Loans

Be your own driving force

Point West offers competitive vehicle loan rates, convenient application options, and helpful resources. We make shopping for your next car hassle-free! Through our auto lending team and trusted business partnerships, the search and financing of your new car all happen here.

Auto Mentors Auto Shopping Services

Do you dread the car-shopping process? Skip the lot and the hassle with our friends at Auto Mentors. Their personalized auto shopping services will help you get into the car you want, all the while working with our Lending Team to get your loan done and the keys to your new car in your hand as soon as possible.

Contact Russ Johnson, your personal auto shopper, at 503.654.1244 or [email protected] and experience a better car buying experience today!

Other Resources


Vehicle Loans

Our Lending Team is standing by to help you lock in a low-rate loan for your new vehicle today.* Apply in person at Point West, online 24/7 through our online application, or by telephone by calling 503.546.5000. A dedicated PW loan officer will walk you through the entire process. We pride ourselves on our local lending, onsite decisions, and easy access. Walk-ins welcome! Appointments available. Contact us today!


Vehicle Loan (New)

APR (Fixed)*

*APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans. Rates may differ at dealership. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >>

3.49% - 19.99%

  • Current Year and Previous Year Vehicles

Vehicle Loan (Used)

APR (Fixed)*

*APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans. Rates may differ at dealership. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >>

3.74% - 20.24%

  • 2-7 Year Old Vehicles

Vehicle Loan (Older Used)

APR (Fixed)*

*APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans. Rates may differ at dealership. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >>

4.99% - 20.74%

  • 8-10 Year Old Vehicles

Boat & RV Rates

APR (Fixed)*

*APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans. Rates may differ at dealership. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >>

6.25% - 20.00%


Get Involved.

We are proud to be able to support many local charities and groups through partnerships in our community. Join us as we give back!

Find Local Charities

Calculate & Consider.

Not sure what loan rates you’re able to afford? No worries! As a Point West Credit Union member you have access to a number of free, loan cost calculators. We have partnered with BALANCE to provide these resources at no charge to our members.

See Calculators

Loans Simplified.

As a not-for-profit, member-owned, Portland, Oregon based credit union, we return the money we make to our members in many ways, including low loan rates. Compare our loan products and rates today.

Apply Now

APR = Annual Percentage Rate. All rates and programs are subject to change at any time. All rates are variable unless noted otherwise, and are tied to the Prime Rate. Rate changes the 1st day of the month after the Prime Rate index changes. You will receive written notification in advance of any increase. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms.

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