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.
Easy application process
The entire application process can be done from the comfort of your home when you apply online.
Better interest rate
Since we’re not-for-profit, PenAir puts money back in your pocket by keeping interest rates low.
Lower monthly payments
Less money spent on your car loan means more room for spending or saving in your monthly budget.
Term up to
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.
Term up to
48 - 84 months
Valid Driver’s License & a copy of current registration
Written 10 Day Payoff Quote
Including name of current finance company, payment address, account number and 10-day payoff amount.
Have a Claim?
Mail valid proof of insurance and lien holder information to:
PenAir Credit Union
PO BOX 334
CARAMEL, IN 46082
Insurance Hacks: It Pays To Shop Around
Prepare to Purchase Your Next Vehicle
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.