Loan Solutions

Loans That Work for You – When and Where You Need Them

Being a peace officer is a 24/7 commitment. We want to honor the integrity of that commitment by being there when you need us. We’re available for loan applications 24/7, anytime, anywhere.

To get started, just Click Here. But before you do, please have the following ready to help expedite the process:

  • Your Member account number(s)
  • Your Social Security number

For Lending Applications:

  • Employment information
  • Employer’s name and address
  • Start time
  • Salary
  • Any other sources of income (such as part-time job, Social Security, child support)
  • Financial obligations
  • Loans
  • Value of home
  • Existing rates on secured loans not financed with the credit union
  • Assets
  • Primary deposit accounts and balance with other financial institutions
  • References
  • Name
  • Address
  • Phone number of a friend or relative not living with you

If purchasing a vehicle:

  • Year
  • Make
  • Model
  • Miles
  • Options

When contacting C.A.H.P. Credit Union, you will be asked general questions for security and verification purposes.

Vehicle Loans

C.A.H.P. Credit Union wants to offer you the same peace of mind that you offer the public. Whether you’re buying a new car or an RV, you want a vehicle you can rely on – and a loan that meets your needs.

The C.A.H.P. Credit Union offers loans for new and used vehicles that include:

  • Autos (Cars, Trucks and SUVs)
  • Motorcycles
  • Recreational Vehicles (RV, Watercraft, Off-Road Vehicles)

We can help you experience the excitement of buying a vehicle without the stress. Like you, we’re here to help, and we’re known for our low rates on cars, trucks, motorcycles and SUVs. Key benefits include:

  • No payments for 90 days1
  • Refinance loans from other lenders and save
  • Cash-Back auto equity loans
  • Terms up to 84 months
  • Fast and easy application process, simply Click Here.

When applying for your vehicle loan, in addition to the standard loan application information, please have the following vehicle information:

  • Year
  • Make
  • Model
  • Miles
  • Options



C.A.H.P. Credit Union offers qualified members the option to skip a loan payment without impacting your credit rating. The Skip-A-Payment Program gives you the option to defer a monthly payment on an eligible C.A.H.P. Credit Union loan to the end of the loan, up to two (2) times in a year. SKIP PAY Content Form

1 For 90-Day No Pay, interest begins accruing upon loan disbursal. Some restrictions apply. Optional. All loans granted on approval of credit (OAC).
All rates are expressed as Annual Percentage Rate (APR).

Loan Rates

Loan Type


Vehicles Rates as low as 1.99% APR**
Signature Loans Rates as low as 10.95% APR**
Fully Secured Loans Rates as low as 8.00% APR

*Annual Percentage Yields (APY) may vary, please call for current rates*

**Annual Percentage Rate. Loan rates are based on credit score and term of loan.

Sample monthly payment for a loan of $15,000 for 60 months at 2.95% APR would be approximately $269.21

All rates and promotions subject to change without notice.

Loan Calculators

The following calculators are provided to C.A.H.P. Credit Union members for illustrative and educational purposes only. Upon applying for a specific loan you will be provided your actual rate and terms.

To start using the Amortization Loan Calculator, CLICK HERE.

Enter your desired payment – and let us calculate your loan amount. Or, enter in the loan amount and we will calculate your monthly payment. You can then examine your principal balances by payment, total of all payments made, and total interest paid. Press the report button to see a monthly payment schedule.

Great Rates and Peace of Mind Made Easy


A Visa Card to Suit Your Needs

Accepted by millions of merchants worldwide, C.A.H.P. Credit Union Visa cards offer an exceptional combination of convenience, savings and security.

Banks have been raising rates and adding fees lately. Not us! Check your next Visa statement to make sure you’re getting the best deal compared with C.A.H.P. Credit Union’s Platinum Visa. We believe you’ll see a clear advantage in using our card.

So take a close look and compare other cards to our Platinum Visa. We offer you credit card options with a low rate that hasn’t changed in over 10 years. We think it will be an eye opener with our great low rates, no annual fee, and a variety of free services that offer you the best value and stable low rates. See below for more on our great Visa credit cards.

Support Peace Officer Foundations

We are pleased to introduce our new

Now, you’ll earn points on every purchase you make with your card – with double points on many!

We make it easy to give back to the organizations that matter most to you. Convert your rewards points into cash donations to support these foundations in your community:

  • CHP 11-99 Foundation
  • POREF (Peace Officers Relief and Education Foundation)
  • California Peace Officers’ Memorial Foundation
  • CNOA Survivors Memorial Fund (California Narcotics Officers Association)
  • Impact Teen Drivers
  • CHP Museum
  • Star 6 (Sacramento Deputy Sheriff Association)
  • SEBA (San Bernardino Safety Employees’ Benefit Association)
  • Riverside County Deputy Sheriff Relief Foundation

You can also earn points for:

  • Merchandise
  • Gift Cards
  • Travel

Click Here to access the  Rewards card logo - the new VISA Rewards Card available from CAHPCU  site to see how you can redeem your points today!


Visa Card Design Options

The C.A.H.P. Credit Union offers a Visa Credit Card with the traditional credit card designs. For our CAHP and PORAC members, we offer a C.A.H.P. Credit Union Visa Card with either the Association design or PORAC design.


Classic Visa

If you pay your balance in full every month or are establishing your credit, then the Classic Visa could be best for you.

  • 13.8% fixed Annual Percentage Rate
  • No annual fee
  • 25-day grace period on purchases
  • Personal Identity Theft Protection
  • Auto Rental Collision Damage Waiver


Platinum Visa

Our best rate for those with excellent credit, our Platinum Visa may be your best choice.

  • No annual fee
  • 10.8% fixed Annual Percentage Rate
  • 25-day grace period
  • Free $1,000,000 travel accident insurance
  • Free $3,000 lost luggage reimbursement
  • Free auto rental insurance
  • Personal Identity Theft Protection

Visa provides reassurance that only you can use your Visa card online. The service is FREE to Visa cardholders. You’ll have the added assurance that your Visa card is safer when you shop at participating online stores. Look for the new Verified by Visa symbol; it’s your way of knowing that you are shopping with an additional layer of security.