Auto Loan in Liverpool, NY
Looking for an auto loan in Liverpool, NY? Ready to drive your dream car? We offer competitive auto loan rates and flexible terms to fit your budget. Whether you are buying new, used, or refinancing, SFCU loan professionals are here and ready to help. Experience hassle-free financing and exceptional service. Join SFCU today and hit the road!
Features of Our Auto Loan
Low rates
Keep more money in your account over the life of the loan with a low rate auto loan from SFCU.
Direct Deposit Cash Rewards
Opt-in to receive a monthly cash back reward for each qualifying loan you have with SFCU.
Flexible terms
Choose the payment that works best for your budget with flexible terms up to 84 months.
Refinance
Move your existing auto loan to SFCU and we may be able to save you money each month. Refinance and put the savings in your account!
Shop any lot
An SFCU auto loan works right through the dealer of your choice, so you can shop at your favorite lot with more convenience.
Driving Sense Loans
Get all the flexibility of leasing but the advantages of buying.
Auto Loan Rates in Liverpool, NY
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Types of Auto Loans We Offer
At Sidney Federal Credit Union, we offer new, used, refinance, and Driving Sense auto loans—flexible terms and competitive rates to get you on the road.
Standard Auto Loan
For both new and used vehicles, with flexible terms (up to 84 months) and low rates.
Used-Vehicle Loan
Specifically for used cars. Contact us and talk to a member of our team for more details.
Auto Loan Refinancing
We offer the ability to move your existing auto loan to SFCU to potentially get a lower payment.
Driving Sense Loan
An auto loan that works like a lease! Get the car of your dreams with lower payments and flexible options.
Why Choose Sidney FCU for Your Auto Loan?
Choose us for your auto loan in Liverpool, NY because we offer low rates and flexible terms (up to 84 months). And we will work with the car dealership of your choice. Learn more about our driving sense loans that give you the flexibility of leasing with the advantages of buying. You can also transfer your existing auto loan to SFCU – we may be able to save you money!
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1
Apply now
It takes only minutes to fill out the online application.
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2
Get response
We'll crunch the numbers and let you know if you're approved.
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Buy your car
Then you can use the funds to buy your vehicle.
Benefits of Getting Your Auto Loan Locally
We provide personalized service, competitive rates, and trusted guidance from people who live and work in your community.
Competitive Rates
Enjoy low, member-focused rates designed to save you money, making your monthly payments affordable with a credit union that reinvests locally.
Local Decision-Making
Loan approvals happen right here in your community, with quick responses, personal attention, and decisions made by people who care about you and your community.
Flexible Terms
Choose loan terms that fit your lifestyle, with options up to 84 months—because we are dedicated to helping members and neighbors thrive.
Driving Sense Loan
Our Driving Sense loan combines the benefits of leasing and ownership, offering lower payments and flexible end-of-term choices—all from your community partner.
Giving Back
Choosing an auto loan from us supports local programs, community projects, and initiatives, helping neighbors while you finance your vehicle.
Membership Rewards
As a member, you gain exclusive benefits, personalized guidance, and the satisfaction of banking with an organization that actively gives back to your community.
Auto Loans Rates
| Type of Loan | Term (Months) | APR (as low as) |
|---|---|---|
| New & Used Autos 2026-2023 | Up to 60 | 6.39% |
| New & Used Autos 2026-2023 | 72 | 6.84% |
| New & Used Autos 2026-2023 | 84 | 7.29% |
| Used Autos 2022-2019 | Up to 60 | 6.89% |
| Used Autos 2022-2019 | 72 | 7.34% |
| Used Autos 2022-2019 | 84 | 7.79% |
| Used Autos 2018 & Older | Up to 60 Months | 11.14% |
Rates effective as of: November 23, 2025
APR = Annual Percentage Rate
Receive a Direct Deposit Cash Reward for each qualifying loan with SFCU.
Credit Union membership is required with a $5 minimum deposit.
Rates are determined by credit worthiness. Your actual rate may vary. Contact the credit union to see what rate you qualify for.
Maximum amount financed also based on credit worthiness. Please see credit union to see what amount you qualify for.
Rates are subject to change without notice.
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Head over to online or mobile to add a new product. See ‘xPress Accounts’ under ‘Account Services’ Menu. Or select ‘Add a Product’ to get started now.
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