Vehicle Loan Rates

Term	Term	Interest Rate	APR*	Monthly Payment per $1,000
New Automobile Loans, Never Been Titled	Up to 75 months	3.125%	3.125%	$14.70
Used Automobile Loans, 2023-2020 Model Years	24-63 months	3.25%	3.25%	$17.29
	64-75 months	3.375%	3.375%	$14.81
	76-84 months	3.75%	3.75%	$13.55
Used Automobile Loans, 2019-2017 Model Years	24 - 63 months	3.49%	3.49%	$17.39
	64-75 months	3.75%	3.75%	$14.98
	76 - 84 months	4.00%	4.00%	$13.67
Used Automobile Loans, 2016-2015 Model Years	24-48 months	4.25%	4.25%	$22.69
New Motorcycle Loans	Up to 60 months	4.49%	4.49%	$18.64
Used Motorcycle Loans
2022-2018 Model Years	Up to 60 months	4.75%	4.75%	$18.76
2017 Model Year	Up to 48 months	4.75%	4.75%	$22.92
2016 Model Year	Up to 36 months	4.75%	4.75%	$29.86
2015 Model Year	Up to 24 months	4.75%	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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Vehicle Loan Rates

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