Your First Auto Loan

First-Time Auto Buyer Program

For generations, SECNY Federal Credit Union has helped our neighbors get going with affordable auto loans near Syracuse NY. Little to no credit? No problem. Our friendly and knowledgeable Lending Professionals will take the time to get to know you, your budget and your vehicle needs.

Ready to take the first step to getting behind the wheel of your first vehicle? Get started with our First-time Auto Buying Program. 

Earn Cash Back

First-Time auto buyer programJust make 6 months of on time payments and we will give you up to $200 cash back!* Making on time payments helps build your credit history and we want to celebrate that milestone with you. Cash back amount depends on the total loan amount:

  • $5,000.00 to $9999.99 earn $50.00 Cash Back
  • $10,000.00 to $14999.99 earn $100.00 Cash Back
  • $15,000.00 to $19999.99 earn $150.00 Cash Back
  • $20,000.00 and Higher earn  $200.00 Cash Back

*Must have six months of on-time payments in order to receive cash back. Cash back incentive is waived if loan is paid in full prior to six months. Cash back incentive varies based on original loan balance amount.

Get Competitive Rates for Your First Auto Loan

First Car LoanWe are here to help if you have little or no credit history. SECNY Federal Credit Union offers competitive auto loan rates for new and used cars. Our rates empower you to turn the vehicle you're eyeing into the vehicle you're buying.

To see just how low your first-time auto loan rate could be...

View First-Time Auto Loan Rates

We're Your Source for a Used Car Loan or a New Car Loan

First Time Auto Loan

Looking to start your credit and purchase your first vehicle? New or used, cars or trucks, SECNY has the new auto loan and used auto loan options you're looking for. 

Let's Talk

Estimate Costs for Your First Auto Loan with Auto Loan Calculators

First Auto LoanHow much will your monthly auto payments be? Make an informed decision that you can be confident in with estimates from our auto loan calculators. 

Use Auto Loan Calculators

Contact Us for Your First Auto Loan

SECNY Federal Credit Union is the go-to source for First-time Auto Loans near Syracuse NY. For generations, we've helped make a new vehicle affordable for our neighbors in Onondaga County, Madison County, Cayuga County and Oswego County.

Contact Us

Financing Made Simple

With staff ready in all of our local branches as well as online, your financing solution can be found right here in our community. When you finance your purchase with SECNY, you are helping your community grow through philanthropic programs, financial literacy and important business partnerships.

View our Preferred Lending Partners  


*Certain restrictions apply. Down payment of 3% required on purchase. Must have six months of on-time payments in order to receive cash back. Cash back incentive is waived if loan is paid in full prior to six months. Cash back incentive varies based on original loan balance amount. Approval based on credit worthiness. Equal opportunity lender. Contact the credit union for more information.