Refinance Your Auto/Car & Vehicle Loan Today

Personal › Loans & Mortgages › Vehicle Refinancing

Did you know you refinancing isn’t just for mortgages? You can refinance your vehicle loan, too. And, who doesn’t want a lower payment? PNCU offers competitive rates and terms, so we can find the right program for you. Applying is easy and can be completed through our online application within minutes. Apply now to see how much you can save!

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TermTermInterest RateAPR*Monthly Payment per $1,000**
New Automobile Loans, 2025-2026 Model Years (Never Registered)84 Months3.990%3.990%$13.66
Used Automobile Loans, 2018-2025 Model Years60 Months4.990%4.990%$18.87
72 Months6.125%6.125%$16.63
84 Months6.6250%6.6250%$14.91
Used Automobile Loans, 2015-2017 Model Years48 Months5.750%5.750%$23.37
*Annual Percentage Rates (APR) are effective January 21, 2026, 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. Rates shown include a 0.25% discount with automatic payments from a PNCU Perks checking account. Your rate will be higher if you do not have automatic payments. 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 is available on new automobiles (never been titled) based on your credit score. Used automobile financing is based on a maximum 95% of the purchase price or the NADA retail value, whichever is less. Other restrictions or considerations may apply.

**Monthly payments per thousand are based upon the longest available term.

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For more information about accounts and services, visit a credit union branch in Western MA near you, use our Contact Form, or call us at (413) 592-9495.

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