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Pen Air has the borrowing solution you need.

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Additional Disclosures by Loan Type

New Motorcycle

  • New is untitled current model year. Everything else is considered used.
  • No application fee. No prepayment penalty.
  • Maximum mileage 75,000.
  • Minimum loan amount: $1,000.
  • All rates are based on an evaluation of credit history, so your rate may differ.
  • New Motorcycle: Estimated monthly payment of $21 per $1,000 borrowed for a term of 54 months. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.

Rates are effective as of December 11, 2019

Used Motorcycle

  • Used is all previously titled motorcycles.
  • No application fee. No prepayment penalty.
  • Maximum mileage 75,000.
  • Minimum loan amount: $1,000.
  • Rates vary based on term and the age of the motorcycle.
  • All rates are based on an evaluation of credit history, so your rate may differ.
  • Used Motorcycle: Estimated monthly payment of $21 per $1,000 borrowed for a term of 54 months. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.

Rates are effective as of December 11, 2019


New Travel Trailer

  • New is untitled. Everything else is considered used.
  • No application fee. No prepayment penalty.
  • Not available for travel trailers being used as a primary residence.
  • Minimum loan amount: $1,000.
  • All rates are based on an evaluation of credit history, so your rate may differ.
  • New Travel Trailer: Estimated monthly payment of $19 per $1,000 borrowed for a term of 60 months. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.

Rates are effective as of December 11, 2019

Used Travel Trailer

  • Used is all previously titled travel trailers.
  • No application fee. No prepayment penalty.
  • Not available for travel trailers being used as a primary residence.
  • Minimum loan amount: $1,000.
  • Rates vary based on term and the age of the travel trailer.
  • All rates are based on an evaluation of credit history, so your rate may differ.
  • Used Travel Trailer: Estimated monthly payment of $19 per $1,000 borrowed for a term of 60 months. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.

Rates are effective as of December 11, 2019


New Motorhome

  • New is untitled. Everything else is considered used.
  • No application fee. No prepayment penalty.
  • Not available for motorhomes being used as a primary residence.
  • Minimum loan amount: $1,000.
  • All rates are based on an evaluation of credit history, so your rate may differ.
  • New Motorhome: Estimated monthly payment of $19 per $1,000 borrowed for a term of 60 months. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.

Rates are effective as of December 11, 2019

Used Motorhome

  • Used is all previously titled motorhomes.
  • Maximum mileage 75,000.
  • No application fee. No prepayment penalty.
  • Not available for motorhomes being used as a primary residence.
  • Minimum loan amount: $1,000.
  • Rates vary based on term and the age of the motorhome.
  • All rates are based on an evaluation of credit history, so your rate may differ.
  • Used Motorhome: Estimated monthly payment of $19 per $1,000 borrowed for a term of 60 months. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.

Rates are effective as of December 11, 2019


New ATV/UTV

  • New is untitled. Everything else is considered used.
  • No application fee. No prepayment penalty.
  • Minimum loan amount: $1,000.
  • All rates are based on an evaluation of credit history, so your rate may differ.
  • New ATV/UTV: Estimated monthly payment of $19 per $1,000 borrowed for a term of 60 months. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.

Rates are effective as of December 11, 2019

Used ATV/UTV

  • Used is all previously titled ATV/UTV’s.
  • No application fee. No prepayment penalty.
  • Minimum loan amount: $1,000.
  • Rates vary based on term and the age of the ATV/UTV.
  • All rates are based on an evaluation of credit history, so your rate may differ.
  • Used Motorhome: Estimated monthly payment of $19 per $1,000 borrowed for a term of 60 months. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.

Rates are effective as of December 11, 2019


New Boat

  • New is untitled. Everything else is considered used.
  • No application fee. No prepayment penalty.
  • Not available for boats being used as a primary residence.
  • Motors and trailers are not financed individually.
  • All boats 26 feet or longer require US Coast Guard documentation and are secured by a Preferred Ships Mortgage.
  • All rates are based on an evaluation of credit history, so your rate may differ.
  • New Boats: Estimated monthly payment of $19 per $1,000 borrowed for a term of 60 months. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.

Rates are effective as of December 11, 2019

Used Boats

  • Used is all previously titled boats.
  • No application fee. No prepayment penalty.
  • Minimum loan amount: $1,000.
  • Rates vary based on term and the age of the boat.
  • Not available for boats being used as a primary residence.
  • Motors and trailers are not financed individually.
  • Used boats 26 feet or longer will require a Certified Marine Survey.
  • All rates are based on an evaluation of credit history, so your rate may differ.
  • Used Boats: Estimated monthly payment of $19 per $1,000 borrowed for a term of 60 months. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.

Rates are effective as of December 11, 2019


New Jet Ski

  • New is untitled. Everything else is considered used.
  • No application fee. No prepayment penalty.
  • Minimum loan amount: $1,000
  • When two jet ski’s are involved, two separate loans must be originated.
  • Trailers are not financed individually.
  • All rates are based on an evaluation of credit history, so your rate may differ.
  • New Jet Ski: Estimated monthly payment of $19 per $1,000 borrowed for a term of 60 months. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.

Rates are effective as of December 11, 2019

Used Jet Ski

  • Used is all previously titled jet ski’s.
  • No application fee. No prepayment penalty.
  • Minimum loan amount: $1,000.
  • When two jet ski’s are involved, two separate loans must be originated.
  • Trailers are not financed individually.
  • Rates vary based on term.
  • All rates are based on an evaluation of credit history, so your rate may differ.
  • Used Boats: Estimated monthly payment of $19 per $1,000 borrowed for a term of 60 months. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.

Rates are effective as of December 11, 2019