Vehicle Loan Rates

TermTermInterest RateAPR*Monthly Payment per $1,000
New Automobile Loans, Never Been TitledUp to 75 months3.125%3.125%$14.70
Used Automobile Loans, 2023-2020 Model Years24-63 months3.25%3.25%$17.29
64-75 months3.375%3.375%$14.81
76-84 months3.75%3.75%$13.55
Used Automobile Loans, 2019-2017 Model Years24 - 63 months3.49%3.49%$17.39
64-75 months3.75%3.75%$14.98
76 - 84 months4.00%4.00%$13.67
Used Automobile Loans, 2016-2015 Model Years 24-48 months4.25%4.25%$22.69
New Motorcycle LoansUp to 60 months4.49%4.49%$18.64
Used Motorcycle Loans
2022-2018 Model YearsUp to 60 months4.75%4.75%$18.76
2017 Model YearUp to 48 months4.75%4.75%$22.92
2016 Model YearUp to 36 months4.75%4.75%$29.86
2015 Model YearUp to 24 months4.75%4.75%$43.76
*Annual Percentage Rates (APR) are effective May 6, 2022 and are subject to change without notice. Rates shown are based on our credit Tier 1. Your actual rate may be higher based on your individual credit score, year of vehicle and term requested. All loan applications are subject to credit union underwriting guidelines and credit approval. Our maximum loan amount for an automobile loan is $100,000. Up to 125% financing available on new automobiles (never been titled) based on your credit score. 2.25% rate for 75 months is $14.31 per $1,000 borrowed on new models. Used automobile financing is based on 100% of the purchase price or the NADA retail value, whichever is less. 2.25% rate for 63 months is $16.84 per $1,000 borrowed for used automobile financing on 2020-2023 models. 2.50% rate for 63 months is $16.95 per $1,000 borrowed for used automobile financing on 2017-2019 models. You must be or become a member of the Polish National Credit Union if you are granted a loan and must remain a member for the life of a loan. Membership is attained by opening a deposit account and is open to individuals who live, work or attend school in Hampden, Hampshire, Berkshire and Franklin counties in Massachusetts and Hartford, Litchfield and Tolland counties in Connecticut. Please contact any branch for more information.

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For more information about accounts and services, find a branch nearest youuse our Contact Form, or call us at (413) 592-9495.

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