Pen Air has the new and used auto loans for what you need. Need to refinance? We can do that too.




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New and Used Auto Loans

Go where life takes you

Put your dreams in motion and hit the open road with savings that drive you further. Refinance with Pen Air today!

 We make it easy to get behind the wheel with competitive rates on new and used auto loans. No matter what kind of vehicle you are looking for, we have affordable options to meet your needs. Looking to refinance your existing auto loan? We can help with that too. Get pre-approved in minutes. Get pre-approved online or the mobile app before you hit the lot, so you can get the best deal knowing you have the auto loan you can afford right in your pocket.

Already a member? Applying is easy!

Want to become member and apply for an auto loan? We make it easy!

Auto Loan Rates

Loan TypeApprox. TermAPR*
New Auto/Truckup to 84 mos2.99% to 18%
Used Auto/Truckup to 84 mos2.99% to 18%
Additional disclosure information is available by clicking here.

Rates are effective as of October 14, 2020
©️2020 Pen Air FCU. NMLS#413053. Federally insured by NCUA. All loans are subject to approval. Other conditions and restrictions may apply. Call toll-free 877.4PENAIR for more information.

Auto Loan Calculators

Calculate your estimated monthly payment, compare your estimated monthly payment by term or even compare two vehicle loans with our auto loan calculators  so you can see what works for your budget. See how easy it is.

Auto Calculators

Pen Air Car Buying Service, Powered by TrueCar makes buying your car simple.

TrueCar tells you what others have paid in your area for a comparable vehicle, and gives you free research tools to shop, price and compare vehicles. Best of all, when buying from a TrueCar Certified Dealership, you can lock in substantial guaranteed savings using our exclusive no cost, no obligation Price Protection Certificate.

Participants see an average guaranteed savings of $3,402 off MSRP* when buying a new car from a TrueCar Certified Dealer. See what others paid for the car you want and secure your Guaranteed Savings** before even visiting a dealership. Access unlimited FREE Price and Market Reports, plus, compare features, see pictures, read reviews and check your trade-in value. Lock in your savings and enjoy a hassle-free car buying experience by working with local TrueCar Certified Dealer.

How it works

  1. Get pre-approved. Simply apply for a new or used Auto Loan online 24/7, over the phone or at your nearest Pen Air location.
  2. Visit the Pen Air Car Buying Service, powered by TrueCar website. Save time and money with a hassle-free deal.

Buy with Confidence. Research what others paid for the new car you want, or check used car prices before you ever talk to a dealer.

Enjoy Guaranteed Savings. ** Get an exclusive no cost, no obligation Price Protection Certificate, featuring a summary of your car with your low, upfront price and the dealer’s contact information. Bring it with you to the dealer for an easy and hassle-free purchase.

Start Shopping

*Between 7/1/18 and 9/30/18, the average estimated savings off MSRP presented by TrueCar Certified Dealers to users of TrueCar powered websites, based on users who configured virtual vehicles and who TrueCar identified as purchasing a new vehicle of the same make and model listed on the certificate from a Certified Dealer as of 10/31/2018, was $3,402, including applicable vehicle specific manufacturer discounts. Your actual savings may vary based on multiple factors including the vehicle you select, region, dealer, and applicable vehicle specific manufacturer incentives which are subject to change. The Manufacturer’s Suggested Retail Price (“MSRP”) is determined by the manufacturer, and may not reflect the price at which vehicles are generally sold in the dealer’s trade area as not all vehicles are sold at MSRP. Each dealer sets its own pricing. Your actual purchase price is negotiated between you and the dealer. TrueCar does not sell or lease motor vehicles.
**Guaranteed Savings [and upfront dealer pricing information] not available in all states. In these states, a Target Price is shown, which is a market-based example of what you can reasonably expect to pay for your vehicle as configured.
TrueCar operates this information website (“Service”) featuring pricing, performance, technical and safety data available for new and used vehicles. The Service is not available in all locations. TrueCar does not broker, sell or lease motor vehicles. Each Certified Dealer sets its own pricing and will conform actual vehicle availability from in-stock inventory, including options and color choices.

Protect your vehicle with TruStage.

TruStage offers substantial savings for the protection you need to safeguard your vehicle and your investment. Get a quote today to find out how much you can save on car insurance.

Get A Quote

Disclaimer: TruStage™ Auto Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.

Extended Warranty and Guaranteed Auto Protection Solutions

A Route 66 Extended Warranty has a complete line of coverage designed to keep your vehicle on the road. With comprehensive mechanical breakdown coverage for all makes and models, you can enjoy peace of mind on the road. No matter where you travel in the United States you are protected against major mechanical expenses, and there is no deductible on covered parts or labor.


  • No deductible
  • Nationwide coverage
  • 24/7/365 emergency roadside service
  • Transferrable
  • Direct claim payments via Visa®/Mastercard®

A Member Advisor can go over all coverage and benefits of a Route 66 Extended Warranty.


GAP (Guaranteed Auto Protection) is designed to eliminate your unpaid net loan balance in the event your vehicle is stolen or damaged beyond repair.

GAP coverage relieves you of any responsibility to pay the remaining loan balance that the primary insurance or any third-party insurance policy does not cover.


  • Cost of product is minimal
  • Helps protect credit rating
  • Helps borrower to purchase a replacement
  • Eliminates “out of pocket” expense for remaining loan balance after loss settlement
  • Will cover difference in amount owed versus amount paid for loss up to 150% of MSRP or NADA average retail book value
  • May be included in loan

Ask a Member Advisor how you can protect yourself and your vehicle today!

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