Rate Comparisons
See the PenAir Difference
We believe value should be easy to spot. Compare our rates to state and national averages and see how PenAir helps you save more, pay less, and move forward with confidence.
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With new auto loans, used auto loans, and refinance auto loans, Pen Air has affordable options to fit your needs!
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Get the perks and enhanced rewards that fit your individual needs.
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We make it easy to get pre-approved for the loan you’re looking for.
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You can now open an account with us if you live, work, go to school or worship in 19 counties, from Mobile County, Alabama to Leon County, Florida.
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You can now open an account with us if you live, work, go to school or worship in 19 counties, from Mobile County, Alabama to Leon County, Florida.
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You can now open an account with us if you live, work, go to school or worship in 17 counties, from Mobile County, Alabama to Leon County, Florida.
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Add Account or CertificateOur members saved $36.6 million last year*
APR = Annual Percentage Rate. Rates are effective as of May 05, 2026 and are subject to change. Savings amounts and percentages shown are estimates provided for illustrative purposes only and are not guaranteed. Comparisons are based on third‑party market data provided by Datatrac. Estimates are calculated using specific assumptions, including loan amount, loan term, and credit tier. Actual rates, payments, and savings may vary based on individual creditworthiness, loan terms, product type, and market conditions. Not all applicants will qualify for the rates or savings shown. PenAir membership and eligibility requirements apply.