Refinance Your Vehicle Today

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!

The only thing better than saving money on your car payment is saving money on your car insurance. PNCU Insurance Services, LLC. is a local, full-service, independent agency here to help protect you and your family from the unexpected. They offer great coverage, affordable prices and exceptional service that can’t be found at other insurance agencies. With exceptional group discounts and on-site registry of motor vehicle services, PNCU Insurance Services make obtaining car insurance easy.

View Our Rates

TermTermInterest RateAPR*Monthly Payment per $1,000**
New Automobile Loans- Never Been TitledUp to 75 months8.000%8.000%$16.99
Used Automobile Loans, 2021 and Newer Model Years24-63 months8.125%8.125%$19.55
64-75 months8.250%8.250%$17.11
76-84 months9.250%9.250%$16.22
Used Automobile Loans, 2020-2018 Model Years24 - 63 months8.250%8.250%$19.61
64-75 months8.500%8.500%$17.23
76 - 84 months9.375%9.375%$16.28
*Annual Percentage Rates (APR) are effective May 18, 2023 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 100% financing is available on new automobiles (never been titled) based on your credit score. Used automobile financing is based on 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.

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, worship 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.

Relationships Built to Last

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

Important Notice: All branches will be closing at 3:00 PM on Wednesday, June 14, 2023 for an Employee Appreciation Event.