Polish-American Federal Credit Union (PAFCU) lists new-vehicle APRs from 3.99% for 36 months on 2026-2023 cars, with rates effective Thursday, November 5th, 2026. Its rates page does not set a CARFAX requirement, so ask what underwriting needs before you buy a report.
I read PAFCU's loan rates page and its history page for this November 5, 2026 guide. The vehicle tables say Effective Date: Thursday, November 5th, 2026. Posted figures are as-low-as APRs, and discounts for checking, debit, direct deposit and autopay are already included. So treat each number as a floor.
Match the car to the year band
For 2026-2023 cars the table shows 3.99% for 36 months, 4.30% for 48, 4.50% for 60 and 4.80% for 72 months. For 2022-2018 used cars it starts at 4.50% for 24 months and rises to 5.50% for 60 months. For 2017-2013 cars the floor is 7.00% for 24 months and 8.00% for 48 months.
Read the salvage and rebuilt note
Each vehicle table tells you to call the credit union for a rate quote on salvage or rebuilt titles. That is separate from a clean-title floor rate. Ask early if the title has a brand. Our loan-to-value explainer explains why value caps matter too.
Ask whether a history report is needed
The rates page I reviewed does not name a required CARFAX or AutoCheck product, report age or who must buy it. Ask whether PAFCU orders its own history or needs title papers before funding. Our credit-union branded-title checklist gives you the questions. A seller printout is not independent proof.
Confirm who can join
The official history page says Polish-American Federal Credit Union has served the Polish-American community in Michigan and beyond since 1976, starting in Hamtramck. The field-of-membership page lists qualifying associations and Michigan residency rules. Confirm you qualify before you apply.
Plan collateral and payoff steps
For a private sale with a lien on the title, ask how Polish-American Federal Credit Union sends the payoff and when the title reaches the lender. Our lien-payoff steps and private-seller lien guide walk through the order of steps so nobody hands over money before the paperwork is lined up. Keep GAP, service contracts and other optional products on separate lines, because they change the amount financed and the real cost. Ask for the payoff letter in writing and check that the VIN on it matches the car.
Compare the same car at two or three lenders
A posted floor rate from Polish-American Federal Credit Union is only useful next to another quote for the same VIN, amount and term. Ask each lender for the APR, any fees and the payment on that exact loan. Small fee differences add up on a short loan. If one lender limits the term on an older car, your payment can move more than the rate does. Write each offer down with the date you got it, since posted rates on these pages can change without notice.
Keep the car checks separate from approval
A loan approval does not certify the car's condition or the seller's ownership story. The NYC consumer-agency used-car guidance tells buyers to get a history report and an independent mechanic, and the federal Buyers Guide rule describes dealer disclosures rather than any credit-union CARFAX mandate. Private sales follow a different disclosure setting. Use our inspection checklist to define the mechanical work before you release funds.
Before you authorize funding
Ask PAFCU to confirm the year band, the rate for your credit and any history-document rule for your exact car. So, ask for a dated written approval tied to the actual VIN, amount financed and term. Keep the rate quote, collateral answer, purchase agreement and any payoff instructions together. The CFPB auto-loan resources explain how to shop and compare offers; they do not set this lender's underwriting policy.
We are a licensed CARFAX and AutoCheck reseller, not affiliated with CARFAX, AutoCheck or Experian. Guest reports have been about $5.50, member reports about $4.50 and a two-report bundle about $6.75; confirm the price at checkout because it can change. A report can miss unreported work, so keep the inspection appointment even when the history looks quiet.
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