Rates subject to change without notice. Credit restrictions apply. Rates effective as of 4/01/25.
Take an additional 0.25% OFF rates listed with one of the following (maximum discount 0.25%):
- You have a SECNY Checking Account w/Direct Deposit & Automatic Payment
- You are a Save2Earn Account Holder
*Rate discount excludes Holiday Loan Special, Share Secured Loans, Credit Cards and Lines of Credit Loans.
Contact Us for More Information
Why Choose SECNY for Your Auto Loan?
At SECNY Federal Credit Union, we pride ourselves on offering competitive auto loan rates designed to help you get behind the wheel of your dream vehicle without breaking the bank. Our flexible terms and personalized service make financing your next vehicle purchase simple and affordable.
How to Apply for an Auto Loan
Getting started with your SECNY auto loan application is easy. Simply apply online through our secure loan application or stop in one of our many branch locations throughout Central New York.
Questions? Speak with one of our friendly loan specialists today (315) 469-5599
Auto Loan Calculator
Estimate your monthly payments using our auto loan calculator to help determine a comfortable budget for your vehicle purchase.
Looking to Refinance Your Auto Loan?
Take 2.25% OFF1 Your existing Auto Loan Rate (When you refinance with SECNY)
Already have an auto loan elsewhere? Our special auto loan refinancing offer could save you thousands over the life of your loan.
1 Must qualify for loan refinance by April 30th 2025. Minimum loan amount is $5,000.00. Rate floor is 4.00% APR. Must be new-to- SECNY loan to qualify for 2.25% discount. This offer does not apply to existing SECNY Loans, Mortgage Loans, Holiday Loans, Credit Cards, Overdraft Line of Credit, and Home Equity Loans/Lines of Credit. Membership eligibility required. Certain credit conditions apply. Subject to change without notice. See SECNY for details.
Let's Talk About Auto Loan Refinancing Options
