Secured & Unsecured Loans

Secured Loans

Looking to buy a new vehicle, ATV, etc.? Or maybe you want to refinance one you already own. Either way, make sure you finance with PFCU. We have some of the lowest rates in the area.

We finance various types of collateral including: new and used vehicles, snowmobiles, ATVs, UTVs, Personal Watercraft, Motorcycles, Boats, Boat Motors, Trailers, Campers, Travel Trailers, Motor Homes, and Heavy Equipment.

We also grant Share (savings) and Certificate of Deposit Pledged loans, at a very low rate.

Get Pre-Approved today by applying online here or stopping in at either location.

Reviewing your credit report regularly is a great way to stop identity theft early. Federal law allows you to get a free copy of your credit report every 12 months from each credit reporting company. Get your free annual credit report online. Check out the Consumer Financial Protection Burearu’s website for additional information about your credit report and score and what factors can affect your credit score.

GAP Plus Insurance Protection

We hope you never have a total loss on a vehicle, but if it does happen, will you be fully covered? Often times auto insurance doesn’t cover the full amount owed on the loan and you are stuck paying the balance. For just a few dollars a month, GAP can save you from making loan payments on a car, truck, power sport, watercraft or recreational vehicle that's beyond repair or stolen and not fully covered by your own insurance. GAP Plus coverage also includes up to $1,000 toward your down payment of a replacement vehicle (where allowed by law and when financed by PFCU).

You can sign up for GAP Plus when you apply for your collateral loan. There's no underwriting, no red tape, no hassles. And for your convenience, the cost can be rolled into your monthly loan payment; or you can ADD GAP to any EXISTING collateral LOAN that you have at the credit union.


As your vehicle gets older and miles add up, will you be able to afford the repairs you need to keep your car on the road? As your vehicle ages, the risk and cost of repairs increases. Mechanical Repair Coverage can help limit those costs. PFCU offers three different levels of coverage – covering a range of components. The coverage is accepted at any authorized, licensed repair facility in the U.S. or Canada. The repair facility is paid directly from your MRC, you just pay your deductible. Deductibles can range from $0 to $500.

With any consumer loan, you can purchase Credit Insurance depending on your needs. Life coverage is designed to pay the loan balance in the event of the borrower's death, while Disability coverage is designed to pay your monthly loans payments in the event of an injury. Either coverage is available at very affordable group rates.

MRC also covers rental reimbursement, 24-hour emergency roadside assistance, and can cover travel expenses if your car breaks down away from home.

Coverage is available for any new or used vehicle: current year through 15 model years old with 150,000 odometer miles or less at the time of coverage purchase. It can even be transferred when you sell your vehicle ($50 fee and must be sold to a private party/owner).


Did you know you can get a vehicle loan through PFCU without leaving the dealership? Through Credit Union Direct Lending (CUDL), you are able to sign loan documents through PFCU right at the dealership. Many of the local dealerships in the area participate in this program. Just let them know you want to sign with PFCU.

Although you can complete an application and get approved through the CUDL system as well, we suggest getting pre-approved to speed up the process at the dealership (and to guarantee the loan will be able to be completed). Just apply with PFCU online or stop in and tell the loan officer you would like to sign at the dealership.

Visit CUDL online to search for vehicles in the area, build your new ideal vehicle, research vehicles, and check out the loan calculators to see what you can afford per month. There are even links to understanding your credit report, insurance information, and links to the 3 main credit bureaus.

Unsecured Loans

PFCU offers unsecured loans in 90-day Notes, Installments, Line of Credit loans, and Overdraft Protection.

Credit Life and Credit Disability Insurance

Credit Life and Credit Disability Insurance can be purchased on any consumer loan.* Credit Life Insurance was designed to pay the loan balance in the event of the borrower’s death. Credit Disability Insurance is designed to pay your monthly loan payments in the event of an injury resulting in the inability to work for a time. Both insurance types are available at a very affordable rate.

*Credit Life coverage ends at age 70.

Make your PFCU Loan Payment

Pay via ACH or Debit Card: Use this link for payments made from another financial. Set up an account with our third party vendor REPAY for easier future payments or to set up monthly recurring payments.

Pay via my PFCU Account: If you would like to pay from your current PFCU account, sign into online banking to transfer funds. You can even set it up for recurring transfers to make monthly payments.

Payments made via ACH or Debit Card are not immediately reflected on your loan account. Payments made after 3:00pm or on weekends/holidays may be applied to the loan on the next business day.

THIRD PARTY SITE DISCLAIMER - You are leaving Proctor Federal Credit Union website. You are linking to an alternate website not operated by Proctor Federal Credit Union, and Proctor Federal Credit Union is not responsible for the content of the alternate website. The fact that there is a link from Proctor Federal Credit Union website to an alternate website does not constitute endorsement of any product, service, or organization. Proctor Federal Credit Union does not represent either you or the website operator if you enter into a transaction. Privacy and security policies may differ from those practiced by Proctor Federal Credit Union, and you should review the alternate website's policies.

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