Refinance Your Auto Loan and Make Your Journey Count

Move your auto loan to Pen Air between November 1 through December 31 to receive up to 2% APR1 off your current rate and make no payments for 90 days2.

We're making it easy and helping you save money so you can focus on what's important to you. Apply today!

Get pre-approved in minutes.

Pen Air's easy pre-approval process gives you all the control. Get the best deal you can knowing you have the loan you want right in your pocket. You can get pre-approved through our mobile app or online.

Apply Now

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.

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Protect your vehicle with TruStage.

Not all insurance is created equally. TruStage offers substantial savings for the protection you need to safeguard your vehicle and your investment.


Disclaimer: TruStage TM 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.

Loan Type Approx. Term APR*
New Auto/Truck
up to 84 mos 3.24% to 18%
Used Auto/Truck
up to 75 mos 3.49% to 18%

Rates are effective as of November 7, 2018

Approximate term = The term we use when calculating payments for the Credit Union's loan products.

*APR = Annual Percentage Rate. Rates are based on the evaluation of an applicant's credit and may vary.

Additional terms, conditions and restrictions may apply. Rates are subject to change without notice.

All loans are subject to credit approval.

© 2018 Pen Air FCU. Federally insured by NCUA. NMLS#413053.  Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans are subject to approval. 1APR = Annual Percentage Rate. Offer valid on loan applications submitted between 11/01/2018 and 12/31/2018 only. Auto loan must be transferred from another financial institution and be in good standing for at least six consecutive months. Rate will be reduced up to 2% but will be no lower than 3.49% APR and/or current monthly payment will be reduced by 25. 2Interest will still accrue with the No Payment for 90 Days offer. At 3.49% APR, loan amount of $20,000 and a term of 60 months, the monthly payment would be $363.75. Other conditions and restrictions my apply. Call toll-free 1.877.4PENAIR for complete details.

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