Car Loans

Drive a great deal!

Purchase or Refinance your car with our great low rates - plus make no payments for three months!

Apply for a Loan      

Whether it's time to buy a new car or to save money on your monthly payments with another lender by refinancing and transferring your car loan, we can help. Check out our great low rates and payment calculator to help you plan for buying a new car or to refinance and save.

Get pre-approved before you shop, speak with a Loan Pro today for details on how you can take advantage of our many car financing options today. Call 413-733-2800 option 2 to apply by phone.

Search for a car at the right price! Learn more with AutoSmart.


  • New Car Loans- 120% financing on Cars, SUVs & Trucks. Borrow up to 120% of MSRP, plus warranty and sales tax. We offer low rates and flexible payment options with up to seven years to repay.
  • Pre-owned Car Loans- Borrow up to 120% NADA value on the vehicle of your choice with up to seven years to repay.
  • Boat Loans- Any size boat: fishing, pontoons, cabin cruisers or sailboats. We'll finance 90% MSRP on new boats or 90% of NADA value on pre-owned boats with up to seven years to repay.
  • R.V. Loans- Outdoor fun includes: campers, trailers, snowmobiles, jet skis, ATVs, dirt bikes, etc. Check our rate sheet for our low rates. Borrow up to 90% of MSRP and have up to seven years to repay.
  • Motorcycle Loans- From Harley's to Hondas we'll finance up to 90%, including tax and registration on both new and pre-owned motorcycles. Terms up to seven years to repay. Head out on the highway today!
  • Classic Vehicles- Borrow up to 90% of the appraised value with up to four years to repay.
  • TruStage Insurance1- Auto & Home Insurance - Offers affordable insurance coverage for your home and auto with discounts for PVCU members. Members can save a significant amount by switching to TruStage Insurance. Get a free, no obligation rate quote when you call your Liberty Mutual Insurance Representative partnered  with TruStage at 800-208-3041 ext. 54981 or fax your policy to 413-567-1953 for a rate quote or click here for an online quote. 

The Credit Union has a staff of outstanding service professionals.  Whether it’s the Loan Department or Member Services Department everyone is always extremely helpful.

— Rick P., Member Since 1998


1TruStage insurance benefits and services are not obligations to Pioneer Valley Credit Union or to the members of the credit union. The insurance benefits and services offered are not guaranteed by the credit union or any affiliated entity and are not federally insured.