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Polish & Slavic Federal Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 17 October 2023
Fact checked

Polish & Slavic Federal Credit Union auto loans overview

Polish & Slavic Federal Credit Union logo

Polish & Slavic Federal Credit Union (PSFCU) was established in 1976 and is the largest ethnic credit union in America. PSFCU has flexible auto financing choices with low interest rates for both new and pre-owned cars, motorcycles, and boats. Plus, members can take advantage of no application and annual fees and prepayment penalties.

Want to see what a PSFCU auto loan will cost? Try the Polish & Slavic Federal Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key Polish & Slavic Federal Credit Union auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: $100,000.
  • Interest rates: As low as 3.75% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: No application and annual fees.
  • Discounts: Autopay discounts.

POLISH & SLAVIC CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

Whether you’re after new or pre-owned models, PSFCU offers low-rate auto loans with long repayment periods. The starting rate for new car loans is 3.75% APR, while it’s 5% APR for used car loans. Additionally, you can refinance your existing auto loan from a different financial institution to lower your rate and payments.

Motorcycle loans

Motorcycle loan options are available at PSFCU, too. You can borrow up to $30,000 for a new motorcycle and $20,000 for a used model. Rates begin as low as 7% APR, and terms can stretch up to 60 months.

Boat loans

If you want to go on an adventure in open waters, you can also finance your boat at Polish & Slavic Credit Union. You can borrow a maximum amount of $100,000 and apply for rates as low as 6.25% APR. Moreover, terms are up to 9 years for new boats and 7 years for used boats.

Polish & Slavic Federal Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

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Polish & Slavic Federal Credit Union

Polish & Slavic Federal Credit Union auto loan

Polish & Slavic Federal Credit Union auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Polish & Slavic Federal Credit Union auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a Polish & Slavic Federal Credit Union auto loan

Eligibility criteria

Polish & Slavic Credit Union doesn’t disclose the vehicle financing standards, but you should usually be:

  • 18 years old or older
  • A legal resident
  • A member of PSFCU
  • Employed or have a dependable source of income

Besides assessing your eligibility, consider building good credit, too. Remember that the rates you qualify for are based on different factors, such as your credit history, collateral, and loan character.

How to join Polish & Slavic Federal Credit Union

You can become a Polish & Slavic Credit Union member if you’re a member of one of PSFCU’s sponsor organizations.

What you’ll need to have ready

Personal details

When you apply for auto financing with Polish & Slavic Federal Credit Union, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

Documents

You may need to provide PSFCU with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

Other than gathering the required documents, make sure you’re also prepared for the auto loan application process. Having insights into the steps can help you manage your expectations, negotiate better, and increase your chances of getting approved.

Ways to apply for a PSFCU auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 1-855-773-2848

Additional Polish & Slavic Credit Union auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed, but it may take 1 business day to a few weeks based on your application.
  • Rate discounts: 0.25% off for automatic payments from a PSFCU checking account.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: None.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Hardship program: Undisclosed.
  • Ways to repay: Online banking, mobile banking, and automatic transfers.

Vehicle restrictions and limitations

  • Maximum vehicle age: Used vehicles must not be older than 5 years.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Low interest rates.
  • Flexible repayment periods.
  • Up to 100% financing possible.
  • No application and annual fees.
  • No prepayment penalty.
  • Purchase, refinance, and lease buyout allowed.
  • Online application available.
  • 0.25% APR autopay discounts.
  • Dealer and private-party purchases allowed.
  • Co-applicants allowed.

Cons

  • Exclusive to members.
  • Limited to cars, motorcycles, and boats.
  • Members with poor credit profiles may get higher APRs.

FREQUENTLY ASKED QUESTIONS

How much interest does the Polish & Slavic Credit Union charge on auto loans?

New car loans start as low as 3.75% APR, while used vehicle loans have APRs starting at 5% APR.

Are PSFCU auto loan interest rates fixed or variable?

Auto loans at Polish & Slavic Federal Credit Union have fixed rates.

What is the maximum term of a Polish & Slavic Credit Union car loan?

You can make your car loan payments for up to 84 months.

Does Polish & Slavic Federal Credit Union refinance auto loans?

Yes. You can transfer your vehicle loan to PSFCU to lower your interest rate and monthly payments.

How to apply for a Polish & Slavic Federal Credit Union auto loan?

You can apply online, over the phone, or in one of PSFCU’s branches.

Can I repay my PSFCU car loan early?

Yes. The credit union doesn’t charge prepayment penalties when you pay off your loan early.

Are the vehicle loans available in all 50 states?

PSFCU auto loans are not available in all states.

Video: Auto loans

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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