Loans

You can get qualified for a loan by starting an application. There is no cost to do so, and once you start an application, one of our loan officers will reach out to you and walk you through the process. Please note that once your application is submitted, we will pull your credit report.

If you have more questions about the lending process, you can contact us and one of our loan officers will be happy to answer more questions about our lending process. 


If you have had credit difficulties in the past, the best way to find out if we can assist you is to apply for a loan.

There is no cost to do so, and our lending team will work with you to look for ways to get your loan request approved.


Yes! We provide auto loan pre-approval so you can apply for financing even before you find the car you want. Our pre-approvals are valid for 30 days.


You can refinance your auto loan by completing our Auto Loan Application. In the application, make sure to choose refinance for the loan purpose. Once your application is submitted, a Loan Officer will reach out to you to guide you through rest of the application. 


Our local decision process with expert loan officers makes it possible to usually respond with a decision within the same business day that you apply for your loan. Every situation is different, and factors like loan type and personal situation could make the process take longer.


To check the status of a loan application, please contact us.

 

We are glad to help look into options with you on a case-by-case basis. If you need help making your loan payment, contact us  to discuss your options with a Member Service Representative.


You can make a payment through Online or Mobile banking, by mail, or in person at a branch or shared branch. You can also visit our Online Loan Payment Center to pay with your Visa, MasterCard, or Discover card. There is a fee of $4.95 for each card payment.

Follow these steps to pay through Online or Mobile Banking:

  • Log in to Online Banking
  • Choose Transactions from the left side navigation menu (if you are on the mobile app you will need to tap on Menu in the top left corner first)
  • Select Loan Payments
  • Choose your From account
  • Choose which loan you would like to pay To
  • Enter the Payment Type, Amount, and Date
  • Click Submit

To pay by mail, send a check or money order to PO Box 897, Lewiston, ID 83501 for regular mail, or 1015 Warner Ave, Lewiston, ID 83501 for overnight mail.


Please mail your loan payments to:
P1FCU
PO Box 897
Lewiston, ID 83501

Please include your loan account number in the memo line of the check or money order.


If you are late on a loan payment, you will be charged a late fee. For exact pricing, please see our Rate & Fee Schedule. We are also required to report payment history to the credit bureaus, and a late payment may have an impact on your credit score.


Follow these steps to find your loan payoff amount in your Online and Mobile Banking:

  • Log in to Online Banking
  • Select the loan you'd like to pay off
  • Click Details on the Loan History screen
  • Your current day's loan payoff amount will be listed

If you need a 10-day (or later) payoff amount, contact us.


Anybody can pay off a loan! However, the title will be released to the party listed on the title. All repayment obligations belong solely to the party listed on the title and loan until the loan has been repaid in full.


Risk-based pricing is a method that lenders use to determine your interest rate and loan term based on your individual credit history.


We finance private sales as well as sales through dealers. Start your application online today and one of our representatives will be happy to guide you through the process. 


You can estimate your car's value using an online pricing guide like Kelley Blue Book (KBB), Edmunds or JD Power/NADA.


Once we have received the funds and paid off the loan, which can take up to ten business days, we will release our lien on the title of the vehicle. From there, the DMV will mail the title to the appropriate party, depending on whether your vehicle was sold private party, traded in, or you've paid it off. Each state's DMV handling times are different. Please contact your local DMV for handling times.




No, GAP will pay up to the remaining balance of the loan. However, our GAP Plus will pay $1000 down towards your replacement vehicle that’s financed with us.

Please contact us to speak about your specific situation.


We offer an alternative to payday loans called CashPlease. These loans are only available to members with checking accounts with courtesy pay. Members may apply online.

If you would like a different option than CashPlease, please contact us to speak with one of our representatives or visit a branch. 


When you have an recreational vehicle loan with P1FCU, you must carry full coverage insurance that includes comprehensive and collision coverage at all times. Deductibles must be $1000 or less and P1FCU must be listed as the lienholder or loss payee.

Submit proof of insurance by:


When you have a boat loan with P1FCU, you must carry full coverage insurance that includes comprehensive and collision coverage at all times. Deductibles must be $1000 or less and P1FCU must be listed as the lienholder or loss payee.

Submit proof of insurance by:


When you have a Motorcycle or ATV Loan with P1FCU it is required that you carry full coverage insurance that includes comprehensive and collision coverage. 

Deductibles must be $1000 or less and P1FCU must be listed as the lienholder or loss payee.

Submit proof of insurance by:


If you finance a vehicle through P1FCU, you must carry full coverage insurance (Comprehensive and Collision coverage) with P1FCU listed as the lienholder or loss payee at all times for the life of the loan. Deductibles must be $1000 or less.

Please submit proof of insurance by:






We recommend setting up automatic payments. Automatic payments are the easiest and most secure way to stay on track and build your credit. Prefer another method? You can make payments just like you would for any other loan.

You can stay one payment ahead, but not more than that. The Credit Builder Loan is designed to help you build credit steadily, so we encourage making monthly payments on schedule.

As soon as you’ve made the final payment, the funds will be available the next business day. For example, if you finish paying it off on a Tuesday, you’ll be able to access your savings on Wednesday. 

No. This is a secured loan, so we don’t pull your credit when you apply.

The Credit Builder Loan is designed to help you build a strong credit history by making consistent, on-time payments. We report your monthly payments to the credit bureaus, so staying on track is key to seeing positive results. It's a simple, safe way to show lenders you can manage credit responsibly.1



























































































    Need Help? We've Got Answers!

    Explore our FAQs for quick answers to your questions about P1FCU. 

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    1 Results are not guaranteed. Improvement in your credit score is dependent on your specific situation and financial behavior. Even if you are paying your loan, credit problems on other accounts you own such as late payments, missed payments and other defaults may impact your credit score. This loan will not remove negative credit history from your credit report.