Driving Sense

car loan near syracuse ny driving sense from secny

The Best Choice in New Car Loans and Used Car Loans

How would you like to finance your vehicle with a program that combines the best features of a conventional car loan with the benefits of leasing? A Driving Sense car loan offers low monthly payments similar to a lease, plus the best part of a conventional car loan – actually owning the vehicle.

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SECNY has the car loan option to best fit your needs!

A Driving Sense car loan allows for low monthly payments, giving you more vehicle for your money. In addition, all new and pre-owned vehicles up to four years old are eligible and can be financed for up to 72 months. The Driving Sense program is the car loan option you’ve been waiting for.

Save on Your Car Loan near Syracuse, NY and Surrounding Areas with the Driving Sense Program

  • Low monthly payments
  • No down payment required
  • No up-front fees
  • Vehicle ownership (titled in your name)
  • No higher insurance premium
  • Option to Sell, Trade, Refinance or Pay off at any time
  • No early termination fees
  • Return Vehicle at Loan Maturity and simply “Walk-away”
  • Yearly mileage available options: 7,500, 10,000, 12,000, 15,000 and 18,000

Find Out How Low Your Car Loan Payment Could Be 

Driving Sense Calculator Button

Want to find out how low your Driving Sense payment could be? Click on the "Driving Sense Calculator" button above.

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  


Rates Effective 12/1/22 Rates subject to change without notice. Credit restrictions apply.

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

*Rate discount excludes Share Secured Loans, Credit Cards and Lines of Credit Loans. All loan payments require automatic payment from a SECNY FCU account.

Driving Sense NEW Vehicle:  2023 - 2022 Model Years

Max Mileage 30,000

APR as low as Term
5.00% 24-39 months
5.50% 42-63 months
6.25% 66-72 months

Loan Application Driving Sense Calculator

Minimum Loan amount for less than 66 months: $5,000. Minimum Loan Amount for 66-72 Months: $10,000.  APR - Annual Percentage Rate.

Driving Sense Used Vehicle:  

2021 Models - Max Mileage 45,000
2020 Models - Max Mileage 60,000
2019 Models - Max Mileage 75,000
2018 Models - Max Mileage 90,000
2017 Models - Max. Mileage 105,000

APR as low as Term
5.25% 24-39 months
6.00% 42-63 months
6.75% 66-72 months

Loan Application Driving Sense Calculator

Minimum Loan amount for less than 66 months: $5,000. Minimum Loan Amount for 66-72 Months: $10,000.  APR - Annual Percentage Rate.

For More Information About the Driving Sense Car Loan Program...

2022 SECNY FCU Mailing Address: 4727 West Seneca Tnpk PO Box 15040, Syracuse, NY 13215