Credit union · Massachusetts

Polish National Credit Union auto loan rates compared

JustAutoRates is an independent comparison site. We aren’t affiliated with the lenders listed here. To apply, visit the lender’s own site.

Massachusetts · Headquarters MassachusettsChecked Nov 13, 2026Rate page on pncu.com

EligibilityPer PNCU: Individuals who live, work, worship or attend school in Hampden, Hampshire, Berkshire and Franklin counties of Western Massachusetts. Individuals who live, work, worship or attend any accredited public or private college, university, high school, elementary school or vocational school in the counties of Hartford, Litchfield, and Tolland in the state of Connecticut.

Visit lender Opens pncu.com

Lowest new rate

5.25%APR, as low as

New84 monthsPolish National Credit Union

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
+1 more+2 moreWestern MA & CT schoolsWestern MA & CT schools: For a specific group: only open to people who live, work, worship or attend school in Hampden, Hampshire, Berkshire, or Franklin County, MA, or attend school in Hartford, Litchfield, or Tolland County, CT. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 84 months at 5.25% APR. Estimated payment: $357/mo

Assumes fixed APR, $0 down, no fees.

MA lender. Not all qualify, see requirements.

Lenders

Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.

On rates tagged with autopay, direct deposit, or a relationship discount, the published figure includes that discount.

NewNew car rates · 1 rate

MAChecked Nov 13, 2026

New
As low as

5.25%APR84 months

2025–2026 models

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.Western MA & CT schoolsWestern MA & CT schools: For a specific group: only open to people who live, work, worship or attend school in Hampden, Hampshire, Berkshire, or Franklin County, MA, or attend school in Hartford, Litchfield, or Tolland County, CT. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 84 months at 5.25% APR. Estimated payment: $357/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 84 months. New Automobile Loans, 2025-2026 Model Years (Never Registered): 84 Months, APR 5.250%. "*Annual Percentage Rates (APR) are effective September 29, 2026, and are subject to change without notice. Rates shown are based on our credit Tier 1. Your actual rate may be higher based on your individual credit score, year of vehicle and term requested. Rates shown include a 0.25% discount with automatic payments from a PNCU Perks checking account. Your rate will be higher if you do not have automatic payments. All loan applications are subject to credit union underwriting guidelines and credit approval."

Checked Nov 13, 2026Source pncu.com

Calculate payment, Polish National Credit Union, 5.25% APR, new, 84 months, 2025–2026 modelsVisit lender, Polish National Credit Union, 5.25% APR, new, 84 months, 2025–2026 models ↗
5.25%APR

New car

Visit lender, Polish National Credit Union, 5.25% APR, new, 84 months, 2025–2026 models

MA · 2025–2026 modelsChecked Nov 13, 202684 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreWestern MA & CT schoolsWestern MA & CT schools: For a specific group: only open to people who live, work, worship or attend school in Hampden, Hampshire, Berkshire, or Franklin County, MA, or attend school in Hartford, Litchfield, or Tolland County, CT. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 84 months at 5.25% APR. Estimated payment: $357/mo

Assumes fixed APR, $0 down, no fees.

UsedUsed car rates · 3 rates

MAChecked Nov 13, 2026

Used
As low as

5.50%APR60 months

2018–2025 models

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.Western MA & CT schoolsWestern MA & CT schools: For a specific group: only open to people who live, work, worship or attend school in Hampden, Hampshire, Berkshire, or Franklin County, MA, or attend school in Hartford, Litchfield, or Tolland County, CT. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 60 months at 5.50% APR. Estimated payment: $478/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 60 months. Used Automobile Loans, 2018-2025 Model Years: 60 Months, APR 5.500%. "*Annual Percentage Rates (APR) are effective September 29, 2026, and are subject to change without notice. Rates shown are based on our credit Tier 1. Your actual rate may be higher based on your individual credit score, year of vehicle and term requested. Rates shown include a 0.25% discount with automatic payments from a PNCU Perks checking account. Your rate will be higher if you do not have automatic payments. All loan applications are subject to credit union underwriting guidelines and credit approval."

Checked Nov 13, 2026Source pncu.com

Calculate payment, Polish National Credit Union, 5.50% APR, used, 60 months, 2018–2025 modelsVisit lender, Polish National Credit Union, 5.50% APR, used, 60 months, 2018–2025 models ↗

MAChecked Nov 13, 2026

Used
As low as

6.25%APR72 months

2018–2025 models

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.Western MA & CT schoolsWestern MA & CT schools: For a specific group: only open to people who live, work, worship or attend school in Hampden, Hampshire, Berkshire, or Franklin County, MA, or attend school in Hartford, Litchfield, or Tolland County, CT. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 72 months at 6.25% APR. Estimated payment: $418/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 72 months. Used Automobile Loans, 2018-2025 Model Years: 72 Months, APR 6.250%. "*Annual Percentage Rates (APR) are effective September 29, 2026, and are subject to change without notice. Rates shown are based on our credit Tier 1. Your actual rate may be higher based on your individual credit score, year of vehicle and term requested. Rates shown include a 0.25% discount with automatic payments from a PNCU Perks checking account. Your rate will be higher if you do not have automatic payments. All loan applications are subject to credit union underwriting guidelines and credit approval."

Checked Nov 13, 2026Source pncu.com

Calculate payment, Polish National Credit Union, 6.25% APR, used, 72 months, 2018–2025 modelsVisit lender, Polish National Credit Union, 6.25% APR, used, 72 months, 2018–2025 models ↗

MAChecked Nov 13, 2026

Used
As low as

6.75%APR84 months

2018–2025 models

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.Western MA & CT schoolsWestern MA & CT schools: For a specific group: only open to people who live, work, worship or attend school in Hampden, Hampshire, Berkshire, or Franklin County, MA, or attend school in Hartford, Litchfield, or Tolland County, CT. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 84 months at 6.75% APR. Estimated payment: $375/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 84 months. Used Automobile Loans, 2018-2025 Model Years: 84 Months, APR 6.750%. "*Annual Percentage Rates (APR) are effective September 29, 2026, and are subject to change without notice. Rates shown are based on our credit Tier 1. Your actual rate may be higher based on your individual credit score, year of vehicle and term requested. Rates shown include a 0.25% discount with automatic payments from a PNCU Perks checking account. Your rate will be higher if you do not have automatic payments. All loan applications are subject to credit union underwriting guidelines and credit approval."

Checked Nov 13, 2026Source pncu.com

Calculate payment, Polish National Credit Union, 6.75% APR, used, 84 months, 2018–2025 modelsVisit lender, Polish National Credit Union, 6.75% APR, used, 84 months, 2018–2025 models ↗
5.50%APR

Used car

Visit lender, Polish National Credit Union, 5.50% APR, used, 60 months, 2018–2025 models

MA · 2018–2025 modelsChecked Nov 13, 202660 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreWestern MA & CT schoolsWestern MA & CT schools: For a specific group: only open to people who live, work, worship or attend school in Hampden, Hampshire, Berkshire, or Franklin County, MA, or attend school in Hartford, Litchfield, or Tolland County, CT. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 60 months at 5.50% APR. Estimated payment: $478/mo

Assumes fixed APR, $0 down, no fees.

6.25%APR

Used car

Visit lender, Polish National Credit Union, 6.25% APR, used, 72 months, 2018–2025 models

MA · 2018–2025 modelsChecked Nov 13, 202672 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreWestern MA & CT schoolsWestern MA & CT schools: For a specific group: only open to people who live, work, worship or attend school in Hampden, Hampshire, Berkshire, or Franklin County, MA, or attend school in Hartford, Litchfield, or Tolland County, CT. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 72 months at 6.25% APR. Estimated payment: $418/mo

Assumes fixed APR, $0 down, no fees.

6.75%APR

Used car

Visit lender, Polish National Credit Union, 6.75% APR, used, 84 months, 2018–2025 models

MA · 2018–2025 modelsChecked Nov 13, 202684 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.Checking accountChecking account: The published rate assumes a checking account with the lender. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreWestern MA & CT schoolsWestern MA & CT schools: For a specific group: only open to people who live, work, worship or attend school in Hampden, Hampshire, Berkshire, or Franklin County, MA, or attend school in Hartford, Litchfield, or Tolland County, CT. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 84 months at 6.75% APR. Estimated payment: $375/mo

Assumes fixed APR, $0 down, no fees.