AUTO LOAN REFINANCE

Get a payment that helps you take pride in your ride

Get Started Online

Go Where Life Takes You

With new auto loans, used auto loans, and refinance auto loans, Pen Air has affordable options to fit your needs!

Already a Member?

Get Pre-Approved Online

Refinance the car you already love and put cash back in your pocket

A refinance auto loan can lower your monthly payment through a lower rate, longer term or a combination of the two. It can also be used to shorten the term and reduce the total cost of financing. No matter your goal, PenAir experts will help you find the best and most affordable option.

Refinancing your vehicle with PenAir Credit Union has never been faster.

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Easy application process

The entire application process can be done from the comfort of your home when you apply online.

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Better interest rate

Since we’re not-for-profit, PenAir puts money back in your pocket by keeping interest rates low.

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Lower monthly payments

Less money spent on your car loan means more room for spending or saving in your monthly budget.

Check out our rates

Used Auto Loan Rates

Loan Type

Term up to

APR* 

Rates are effective as of January 30, 2024.

*APR = Annual Percentage Rate. Rates are based on the evaluation of an applicant’s credit and may vary. All loans are subject to approval. Additional terms, conditions and restrictions may apply. Rates are subject to change without notice. Call toll-free 877.4PENAIR for more information.

Loan Type

Used Auto/Truck

Term up to

48 - 84 months

APR* 

5.74%-17.99%

What you'll need

You only need some basics to get started on your refinance loan application. For everything else, you’ll work with a PenAir expert and navigate the road together.

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The Basics

Valid Driver’s License & a copy of current registration

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Written 10 Day Payoff Quote

Including name of current finance company, payment address, account number and 10-day payoff amount.

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Have a Claim?

Mail valid proof of insurance and lien holder information to:

PenAir Credit Union
PO BOX 334
CARAMEL, IN 46082

 

Take the plunge

Refinance your existing car or truck today.

Get Started Online

Go Where Life Takes You

With new auto loans, used auto loans, and refinance auto loans, Pen Air has affordable options to fit your needs!

Already a Member?

Get Pre-Approved Online

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Save money on your vehicle

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Ready, set, go.

Put Your Dreams in Motion
Get Pre-Approved

Go Where Life Takes You

With new auto loans, used auto loans, and refinance auto loans, Pen Air has affordable options to fit your needs!

Already a Member?

Get Pre-Approved Online
Give Us a Ring
1-877-473-6247
Our Friendly Staff Are Here to Help
Schedule an Appointment

Disclosures

APR= Annual Percentage Rate. The APR 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. All loans are subject to approval. Used Auto/Truck: Estimated monthly payment of $18 per $1,000 borrowed for a term of 60 months. Other conditions and restrictions may apply. Call toll-free 877.4PENAIR for more information.

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