New & Used Vehicle Loans
Wherever you're going in life, getting there is easier and more affordable with auto loans from SECNY Federal Credit Union.
Our friendly, knowledgeable auto loan specialists streamline the application process and simplify your options.
Starting your engines starts here.
The Go-To for New Car Loans & Used Car Loans near Syracuse NY
Whether you're looking for a new car loan or used car loan, you've come to the right place. For generations, we've helped our neighbors get behind the wheel with auto loans that make sense for each person's budget.
Our member-exclusive auto loan rates are available to anyone who lives, works, attends religious services or school in Onondaga, Cayuga, Madison and Oswego counties.
Not sure where to start? Many members find it helpful to get auto loan pre approval before visiting the dealership. Pre approval gives you a clear picture of what you can afford and puts you in a stronger negotiating position when it's time to talk numbers.
Get answers to your questions. To speak with someone from our lending department about your options...
Find Auto Loan Rates That Make Sense for Your Budget
If you're looking for a deal on auto loan rates, look no further than SECNY Federal Credit Union.
We offer several discounts on auto loan rates. Available auto loan rate discounts include:
- 0.25% OFF your auto loan rate when you have a SECNY Checking Account with Direct Deposit & Automatic Payment
OR - 0.25% OFF your auto loan rate for Save2Earn account holders
*Rate discount excludes Holiday Loan Special, Share Secured Loans, Credit Cards and Lines of Credit Loans.
View Auto Loan RatesApply Online
Estimate Your Payment with Our Auto Loan Calculator
Wondering what your monthly auto loan payment might look like? Our auto loan calculator takes the guesswork out of budgeting for your next vehicle.
Plug in the vehicle and loan information to see an estimated monthly payment in seconds. It's a quick way to figure out what fits comfortably within your budget before you start shopping.
Whether you're shopping new or used vehicles, running the numbers ahead of time helps you shop with confidence.
Why Pay More? Save with an Auto Loan Refinance
If you're looking to lower your vehicle payments, you may want to consider an auto loan refinance with SECNY Federal Credit Union.Auto loan refinance simply means replacing your current car loan with a new one, ideally with better terms. If auto loan interest rates have dropped since you financed your vehicle, or if your credit score has improved, auto loan refinancing could lower your monthly payment, reduce the total interest you pay, or both.
How Auto Loan Refinancing Works at SECNY
The process is straightforward:
- Apply for an auto loan refinance with us,
- If approved, we pay off your existing lender directly
- From there, you simply make your payments to SECNY, often at a lower rate than you were paying before.
There's no cost to apply, and our team will walk you through the numbers so you can see exactly how much you could save.
Let's Talk. Call Us at 315-469-5599
The Local Choice for Auto Loans near Syracuse NY and Beyond
With several convenient branch locations across the greater CNY region, SECNY FCU has been here for our neighbors when they're looking to finance their next vehicle.
Local Loan Decisions
As a local credit union, we're incentivized to make loan decisions that are in the best interest of you -- not stockholders.
Budget-Friendly Auto Loan Options
Whether you're looking for lease buyout financing, new car loans or used car loans, SECNY offers low auto loan rates and options that don't require any down payment.
Don't Be Left Waiting & Wondering
