Auto Loan Rates & Personal Loan Rates

Rates subject to change without notice. Credit restrictions apply. Rates effective as of 3/10/25.

Take an additional 0.25% OFF rates listed with one of the following (maximum discount 0.25%):

*Rate discount excludes Holiday Loan Special, Share Secured Loans, Credit Cards and Lines of Credit Loans.

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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 Mar 31st 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

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Auto Loan Rates & Personal Loan Rates

Up to 100% Financing.

APR as low as Term
5.50% 12 months
5.50% 24 months
5.50% 36 months

5.75%

 48 months

6.00%

 60 months

6.25%

 72 months

6.50%

 84 months

Loan Application  Auto Loan Calculator  

Up to 100% Financing. 

APR as low as Term
5.75% 12 months
5.75% 24 months
5.75% 36 months

6.25%

 48 months

6.50%

 60 months

6.75%

 72 months

7.50%

 84 months

Loan Application  Auto Loan Calculator  

Financing up to 80% Book Value. For 100% Financing add 0.25%. Use NADA Book Value average retail amount.

APR as low as Term
7.75% 12 months
7.75% 24 months
7.75% 36 months
8.25% 48 months
8.50% 60 months

Loan Application  Auto Loan Calculator  

Financing 80% Book Value ONLY. For collector cars, requires appraisal.

APR as low as Term
9.00% Up to 60 Months

Loan Application  Auto Loan Calculator  

Up to 100% Financing.

APR as low as Term
5.00% 12 - 36 months
5.25% 48 months
5.50% 60 months
5.75% 72 months
6.00% 84 months

Loan Application  Auto Loan Calculator  

Members will be allowed two loan recalculations once they apply the full amount of any tax credit and/or rebate as a GREEN ADVANTAGE. 

Financing up to 100% Financing.

APR as low as Term
5.50% 12 - 36 months
5.75% 48 months
6.00% 60 months
6.25% 72 months
6.75% 84 months

Loan Application  Auto Loan Calculator  

APR as low as Term
6.75% Up to 60 Months

Loan Application  Loan Calculator  

UCC1 Filed - FEE WAIVED as GREEN ADVANTAGE. Maximum loan amount $10,000

Up to 100% Financing - Maximum $100,000

APR as low as Term
8.00% Up to 60 Months
8.50% 72 months
8.75% 84 months
9.25% 96 months
9.50% 120 months
9.75% 144 months
10.00% 180 months

Loan Application  Loan Calculator  

2023-2019 Models: Financing up to 100% Book Value - Maximum $75,000
2018-2016 Financing up to 80% Book Value

APR as low as Term
8.50% Up to 60 Months
9.00% 72 months
9.75% 84 months
10.00% 96 months
10.00% 120 months
10.00% 144 months

Loan Application  Loan Calculator  

100% Financing for 2025, 2024 Model Years

APR as low as Term
8.00% Up to 60 Months

Loan Application  Loan Calculator  

100% Financing for 2023 - 2019 Model Years
80% Financing for 2018 - 2016 Model Years

APR as low as Term
8.50% Up to 60 Months

Loan Application  Loan Calculator  

APR as low as Term
Share or Certificate Dividend Yield +2% . Variable rate adjusts when APY changes on the account pledged. 144 Months Maximum

Loan Application  Loan Calculator  

Maximum individual $10,000 - Maximum joint $20,000

APR as low as Term
9.00% 12 months
9.00% 24 months
9.25% 36 months
10.00% 48 months
10.25% 60 months
11.25% 66 months
11.25% 72 months

Loan Application  Loan Calculator  

LifeStyle Loans
To finance items such as medical or dental expenses not covered by insurance such as orthodontia, Lasik eye surgery, cosmetic surgery, fertility treatments or even veterinary expenses. Can also be used to finance cost of home decorating, furniture or landscaping. Maximum Individual $10,000, Maximum Joint $20,000, Maximum Term 72 mos. MINIMUM CREDIT SCORE: 680

 

APR as low as Term
15.90% Open End Maximum Limit $5,000

Loan Application  Loan Calculator  

Why Choose SECNY for Your Auto Loan?

auto loan rates near syracuse ny woman receiving car keyAt 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.

Loan Application

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.

Loan Calculator