Vehicle Loan Rates

TermTermInterest RateAPR*Monthly Payment per $1,000
New Automobile Loans, Never Been TitledUp to 63 months1.99%1.99%$16.73
Used Automobile Loans, 2022-2019 Model Years24-63 months2.25%2.25%$16.84
64-75 months2.99%2.99%$14.63
76-84 months4.25%4.25%$13.78
Used Automobile Loans, 2018-2016 Model Years24 - 63 months2.50%2.50%$16.95
64-75 months3.25%3.25%$14.75
76 - 84 months4.50%4.50%$13.90
Used Automobile Loans, 2015-2014 Model Years 24-48 months4.50%4.50%$22.80
New Motorcycle LoansUp to 60 months4.24%4.24%$18.53
Used Motorcycle Loans
2021-2017 Model YearsUp to 60 months4.49%4.49%$18.64
2016 Model YearUp to 48 months4.49%4.49%$22.80
2015 Model YearUp to 36 months4.49%4.49%$29.74
2014 Model YearUp to 24 months4.49%4.49%$43.64
*Annual Percentage Rate (APR), effective April 1, 2021 and are subject to change without notice. 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 125% financing available on new automobiles (never been titled) based on your credit score. Used automobile financing is based on 100% of the purchase price or NADA retail value, whichever is less, based on your credit score. 90% financing available on new motorcycles. Used motorcycle financing is based on 90% of the purchase price or the NADA retail value, whichever is less.

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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