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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. Introductory 0% APR for the first 90 days from the date of loan disbursement. After 90 days, your APR will convert to a fixed rate for the remaining term of the loan, currently as low as 4.99% APR, based on creditworthiness, qualifications, and collateral conditions. Vehicle must be 7 model years or newer. New money only. Sample monthly payment on a $20,000 loan at 4.99% APR for 36 months is approximately $$596.92. This example assumes no additional products and does not reflect the introductory 0.00% APR period. Actual rates and payments will vary. Credit approval is required and not all applicants will qualify for the lowest rate. Other rates and terms are available. Offer must be redeemed within 90 days of the loan open date. Rates, terms, and conditions are subject to change or termination at any time without notice. This credit union is federally insured by the National Credit Union Administration.