Police and Fire FCU
Police and Fire FCU — affordable auto refinancing with up to 120% financing and terms up to 7 years.
See your matched lenders and get prequalified. Takes ~3 minutes.
"Not disclosed" means Police and Fire FCU does not publish this on their public site. "No restriction" means Police and Fire FCU explicitly states no limit.
Overview
Police and Fire Federal Credit Union (PFFCU) provides auto loans and refinancing for vehicles up to 2027 models. They offer competitive rates with no hidden fees and up to 120% financing to cover extra costs.…
What’s great
- High LTV financing up to 120%
- Competitive starting APR of 5.99% for new models
- No down payment required
What to know
- Minimum loan amount of $7,500 for most competitive terms
- Membership residency restricted to PA, NJ, or DE for general public
Eligibility
| Minimum credit score | Not disclosed |
| APR range | Not disclosed |
| APR floor (as low as) | From 5.99% — minimum only; full range not published |
| Maximum vehicle age | Not disclosed |
| Maximum mileage | Not disclosed |
| Loan amount range | Not disclosed |
| Term length | Up to 84 months |
| States served | Not disclosed |
| Membership requirement | Open to active/retired Philadelphia police and firefighters, employees of partnering organizations, their immediate family, or members of the American Consumer Council residing in PA, NJ, or DE. |
FAQ
See your matched lenders and get prequalified. Takes ~3 minutes.
Sources
Every figure on this page is sourced from Police and Fire FCU's own published materials. Rates, eligibility, and terms can change — verify directly with Police and Fire FCU before applying.
- [1]Auto Loans — Police and Fire FCUhttps://www.pffcu.org/auto/loans/Last checked: October 2026
- [2]Membership Groups — Police and Fire FCUhttps://www.pffcu.org/membership/groups/Last checked: October 2026