Credit union · NCUA insured
PenAir Credit Union Auto Loan Rates
Top CarrotPenAir Credit Union auto loans start at 4.74% APR for a new vehicle and 5.24% for a used one. Rates checked October 15, 2026.
How PenAir Credit Union’s auto loan rates compare
Compared with banks and credit unions near Pensacola, FL, where PenAir Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
PenAir Credit Union
4.74%APR
- Terms
- 36–84 months
- Up to
- 17.49% APR
New Auto Loan
Lowest rate
Champions First Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- —
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Up to
- —
PenAir Credit Union auto loan score
85
Auto loan score
Higher than 70% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where PenAir Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Auto Loan
All loans are subject to credit approval. Rates, terms, and conditions are subject to change without notice and vary based on creditworthiness, loan term, and underwriting factors. PenAir membership and eligibility requirements apply. Optional GAP debt cancellation protection is available.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.74% | Rate varies based on credit evaluation and loan term. |
| up to 66 months | 5.24% | Rate varies based on credit evaluation and loan term. |
| up to 75 months | 5.74% | Rate varies based on credit evaluation and loan term. |
| up to 84 months | 5.99% | Rate varies based on credit evaluation and loan term. |
| 36–84 months | 4.74%–17.49% | Rates vary based on evaluation of applicant's credit and loan term. Offers no payment for up to 90 days. |
Sources (3)
All captured Oct 15, 2026
Refinance Auto Loan
Refinance vehicle loan to lower monthly payments or shorten loan term. All loans subject to approval. PenAir membership requirements apply. Optional GAP debt cancellation protection is available.
| Terms | APR | Conditions |
|---|---|---|
| 36–84 months | 5.24%–17.49% | Rates based on evaluation of applicant's credit and may vary. |
| — | 4.74% | Special refinance promotion valid on loan applications submitted between 4/01/2025 and 6/30/2025 only. Auto loan must be transferred from another financial institution and be in good standing. Six on-time payments on a past or present auto loan required. Rate reduced up to 2% but no lower than 4.74% APR. Includes No Payment for 90 Days option (interest accrues). |
Sources (3)
- penair.org/vehicle-loans
- penair.org/vehicle-loans/auto-loan-refinance
- penair.org/vehicle-loans/used-auto
All captured Oct 15, 2026
Used Auto Loan
All loans are subject to credit approval. Rates, terms, and conditions are subject to change without notice and vary based on creditworthiness, loan term, vehicle age/mileage, and underwriting factors. PenAir membership and eligibility requirements apply. Optional GAP debt cancellation protection is available.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.24% | Rate varies based on credit evaluation and loan term. |
| up to 66 months | 5.49% | Rate varies based on credit evaluation and loan term. |
| up to 75 months | 5.99% | Rate varies based on credit evaluation and loan term. |
| up to 84 months | 6.24% | Rate varies based on credit evaluation and loan term. |
| 36–84 months | 5.24%–17.49% | Rates vary based on evaluation of applicant's credit. Offers no payment for up to 90 days. |
Sources (4)
- penair.org/rates
- penair.org/vehicle-loans
- penair.org/vehicle-loans/used-auto
- penair.org/vehicle-loans/auto-loan-refinance
All captured Oct 15, 2026
Who can join PenAir Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Open an account if you live, work, go to school, or worship in 19 counties from Mobile County, Alabama to Leon County, Florida.
- Open an account if you live, work, go to school, or worship in one of 24 counties and cities served from Mobile County, Alabama to Leon County, Florida and southwest Virginia.
Membership information collected October 5, 2026.