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Auto Loan Refinancing


Refinance your auto loan and bump up your savings!

Get 0% APR* and no payments for 90 days!

 
Why Refinance?
  • No interest for 90 days
  • No payments for 90 days
  • Potentially lower your monthly payments
Calculate your potential savings and apply in minutes using the “Recommended for You" widget in digital banking. 
 
We offer auto loans for our members near Painted Post, Addison, Corning, Elmira Heights, Hornell, Southport & Horseheads in NY and Mansfield & Wellsboro in PA. Interested in coming in to learn more? Check out our hours & locations.
 

 
 
























Investment Protection

We’re aware that a vehicle is a big investment, and the unexpected is often lingering just around the corner. We offer you the means to protect your investment from the unexpected with GAP, Mechanical Breakdown and Credit Insurance, so you can have peace of mind.


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Guaranteed Asset Protection (GAP)
If your vehicle is totaled or stolen before you’ve paid off your loan, this type of insurance can help you cover the difference between the balance of your loan and what your insurance company pays if your vehicle is considered a total loss.
 

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Mechanical Breakdown Protection
This type of protection will cover mechanical breakdowns that aren’t covered by the original manufacturer’s warranty.
 

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Debt Protection
Debt Protection plan options will cover all or part of your obligation to repay a loan due to specified events, such as death, disability or involuntary unemployment.
 





























*APR= Annual Percentage Rate. 0% APR for 90 days. After 90 days rate will revert to our current fixed rate as low as 5.49% APR. Vehicle must be 7 model years or newer. Credit restrictions apply. Other rates and terms available. Not all borrowers will qualify for the lowest rate. Sample monthly payment of $20,000 at 5.49% APR for 36 months is approximately $603.08. Approval subject to our credit granting terms and conditions. New money only. All rates and offerings subject to change or termination without notice. Must be redeemed within 30 days of purchase. Offer may be revoked at any time.