Vehicle Loan Rates

TermTermInterest RateAPR*Monthly Payment per $1,000
New or used Automobile Loans, 2021-2018 Model Years24-63 months3.49%3.49%$17.40
64-75 months4.34%4.34%$15.25
76-84 months4.64%4.64%$13.97
Used Automobile Loans, 2017-2015 Model Years24 - 63 months4.09%4.09%$17.67
64-75 months4.89%4.89%$15.50
76 - 84 months4.94%4.94%$14.11
Used Automobile Loans, 2014-2013 Model Years 24-48 months4.89%4.89%$22.98
New Motorcycle LoansUp to 60 months4.24%4.24%$18.53
Used Motorcycle Loans
2020-2016 Model YearsUp to 60 months4.49%4.49%$18.64
2015 Model YearUp to 48 months4.49%4.49%$22.80
2014 Model YearUp to 36 months4.49%4.49%$29.74
2013 Model YearUp to 24 months4.49%4.49%$43.64
*Annual Percentage Rate (APR), effective July 2, 2020. Rates shown are based on our credit Tier I. Your actual rate may be higher based on your individual credit score. Subject to credit approval. Maximum loan amount for vehicle loan is $100,000 and motorcycle is $50,000. Up to 100% Financing available on New Automobiles based on your credit score. Used Automobile Financing based on NADA Retail Value up to 100% of the Purchase Price based on your credit score. 90% Financing available on New Motorcycles. Used Motorcycle Financing based on NADA Retail Value up to 90% of the Purchase Price.

All loan applications are subject to credit union underwriting guidelines and collateral approval. Consult a tax advisor concerning deductibility of interest. You must become a member of the Polish National Credit Union if you are granted a loan and must remain a member for the life of the loan. Membership is attained by opening 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 a loan originator 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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The Annual Meeting of the Polish National Credit Union will be held on Wednesday, January 20, 2021.Learn More/ Pre-Register