Auto Loan

You worry about the color, we've got the finances covered.

CarOur members can't say enough about our Auto Loan! Flexible terms, low rates, and knowing what you really need are our strengths.

Feel like getting your loan at the dealer on a Saturday?  No problem! Check out below who we partner with locally to ensure we are where you need us to be.

Want to buy a vehicle that is a couple of years old and has some miles on it, but you want new car rates?  We've got you covered! In fact, we don't know anyone who is this flexible with calling an auto 'new'... it's another benefit of your membership at CFCU!

Looking for clear information about what we offer?  It's what we excel at. No need to fill out some shady form online to learn about a simple auto loan. Check this page out and we're confident you'll choose us!

We've got what you need!

Apply Online Today!

Benefits

  • Flexible repayment terms up to 84 months.

  • No prepayment penalties.

  • Some of the best local and national rates!

  • Quick application process, find out if you qualify today.

  • Have partnered with many local dealers to allow you to get a loan at the dealership.

  • Clear, understandable loan process handled by professional and knowledgeable staff

Amazing Member Benefit!

When unexpected expenses crop up, CFCU Members can request to skip up to two eligible loan payments a year! Just another benefit of membership here at CFCU.

Learn about our Skip a Pay Benefit!

Partner Dealers

Maguire Family of Dealerships — (new/used)
Maguire Automotive

Maguire Ford

Maguire Nissan

Maguire Chevrolet

Maguire Chevrolet-Cadillac

Maguire Chrysler

Maguire Dodge Ram of Syracuse

Maguire Hyundai-Subaru

Maguire Nissan of Syracuse

Maguire Watkins Glen

Honda of Ithaca

Royal Automotive Group

Sun Auto Warehouse

Action Auto

Augie's Auto

Auto Smart, LLC, Endicott, NY  

Automotive Consultants

Binghamton Chrysler Jeep Dodge

Bridgeland Auto Brokers

Brush & Pallete

Byron's Auto Sales - Call (607) 756-7677

Camping World RV Sales 

Cars R Us - Call (607) 773-0031

CJs Car America in Bridgeport and Cicero, NY 

CNY PowerSports

Cooks Recreation

Cortland CDJ

Cortland Used Cars

D'Amico Chrysler Dodge Jeep Ram

East Coast Motors

Eagle Auto Center, Inc.

FC Waffner Auto Sales

Finger Lakes Harley-Davidson

Great Outdoors RV

Hartley's

Hilltop Auto

Ithaca Recreation Sports

Jack McNerney Chevrolet

LoPiccolos Auto Group in Auburn, NY  

Main Street Auto

Mainstream

Matts Auto

Meyers RV Superstore

MGM Auto

Michaels Auto Sales

Peacock Auto Sales, Cortland, NY

PJ's Autos

Pops Automotive

Pritchard Automotive

R J Whyte

Ridge Road Imports

Riverbank Auto

Royal Ford Motors Inc. in Owego , NY 

Royal Ford 

Select Eurocars

Select Motorcars

Stolarcyk 

Stupid Choppers

Tex's Auto

Top 5 Rated

Tropical Wheels

Upstate Auto

Vision Motor Co.

Xtreme Motors

Don't see your dealer on this list? Or do you want some advice on the car buying process? Get pre-approved before walking into a dealer, and we'll arm you with the knowledge and financing you need to succeed!

Apply for a loan and get pre-approved today!

Rates

Auto Loan Rates

  •  Rates as of 7/1/17
Annual Percentage Rate as low as Term Alert Me
Newer Autos/Motorcycles 2015 - 2017 2.50% up to 36 months1
Used Autos/Motorcycles 2014 and older 4.50% up to 60 months2
Rates quoted “as low as” are subject to change without notice. Rate determined by credit score, term of loan, and model year of vehicle. All loan applications are subject to approval. The Credit Union reviews every loan application to ensure fairness and compliance to CFCU policy.
  • 1Other rates and terms are available up to 84 months. Payment per $1,000 at 2.75% for 36 months = $28.98
  • 2Other rates and terms are available up to 72 months. Payment per $1,000 at 4.75% for 60 months = $18.76

What is APR?

Insurance

Auto Insurance

Looking for Auto Insurance? Save an average of $608!*

CFCU Insurance Services wants to put money back in YOUR pocket with affordable Auto Insurance. Call today for multiple affordable quotes and get on the road to savings without delay!

Click to learn more.

* Average Savings figure is a national average savings number from March 2016 to February 2017 of auto, homeowner, and packaged policyholders’ savings per customer when compared to the policyholders’ former premiums. Individual premiums and savings will vary. Insurance products are not insured by NCUA or any Federal Government Agency; are not a deposit of, or guaranteed by CFCU Community Credit Union or any affiliated entity; and may lose value. Any  insurance required as a condition of the extension of credit by CFCU Community Credit Union need not be purchased from our Agency but may, without aaffecting the approval of the application for an extension of credit, be purchased from an agent or insurance company of the member’s choice.

GAP Coverage

Most insurance policies only cover the value of the vehicle, something that rapidly declines during the first years of ownership. If your vehicle, boat, motorcycle, or RV is stolen or involved in a major accident, you could lose your investment.

Guaranteed Asset Protection (GAP) is a non-insurance product and is made available via a loan/lease deficiency waiver that covers the "gap" between the vehicle's value and the amount you still owe. Essentially, GAP covers the difference between your primary carrier's insurance settlement and the payoff of your loan or lease, less delinquent payments, late charges, refundable service warranty contracts, and other insurance related charges less your deductible. This is an optional product offering from CFCU.

Don't owe on your loan after an accident, have it covered with our GAP product.

Life and Disability Insurance

There is no way to predict an injury, illness, or your unexpected death, but you can take steps along the way to make sure your family is provided for if the unforeseen were to happen. Credit Disability and Credit Life Insurance may help to pay your loan so you or your loved ones don't have to.*

These products are optional offerings from CFCU and the premium is included in your monthly payment. Talk to your Loan Officer about the option of adding this product without increasing your monthly payments.

*Up to your policy maximums; per terms and conditions and exclusions on your Credit Insurance Certificate.

FAQ