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Car Loan in Oneonta, NY

Want to drive your dream car? SFCU offers competitive car loan rates. Enjoy quick online applications, fast decisions, and flexible terms. Whether it's a new or used vehicle, we're here to help you get on the road! Experience hassle-free financing and exceptional service. Join SFCU today and take the wheel!

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Car Loan in Oneonta, NY

Address

Oneonta – Market Street
53 Market St.
Oneonta, New York 13820

Oneonta – Oneida Street
75 Oneida St.
Oneonta, New York 13820

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Hours

Mon – Fri: 9 am – 4:30 pm

Mon – Fri: 9 am – 4:30 pm
Sat: 9 am – 12 pm

View Holiday Schedule

Why Choose Us for Your Car Loan?

Choose us for your car loan in Oneonta, NY, and benefit from low rates and flexible terms. Our payment options are designed to fit your budget. Explore our Driving Sense Loans for the flexibility of leasing with the perks of buying. We work with your preferred dealership for added convenience. Plus, if you transfer your current auto loan to SFCU, we might help you save money!

Car Loan Application Process

We make the process easy!

  • 1

    Apply

    Our online application only takes minutes to complete.

  • 2

    We Respond

    We do our work and let you know if you’re approved.

  • 3

    Buy Your Car

    Use the funding to buy your vehicle.

Branch Services in Oneonta, NY

Looking for other personal or business banking services? Come visit our Oneonta, NY branch. Here’s a list of our services:

Open an Account

Start your SFCU checking or savings account in just a few minutes and get access to all our wonderful financial tools and benefits.

Apply for a Loan or Credit Card

No matter what type of loan you need, the friendly faces in the Amsterdam branch are happy to help!

Instant Issue Debit Cards & Credit Cards

With an SFCU instant issue debit card or credit card you will be on your way in no time!

Coin Machine

Say goodbye to rolling coins! The Money Machine 2 is the quick, easy, and free way to count your coins without having to roll them.

Notary

Need a document notarized? Stop in, it's free! We recommend you give us a call ahead of time to make sure a notary is available.

Night Drop

Night drop allows members to deposit cash and checks outside of normal business hours. Night drop transactions will be processed the next business day.

ATM & iTM (Interactive Teller Machine)

Our ATM machines are available 24/7. Want to speak with a live representative but don't want to leave the comfort of your car?! The iTM is your answer. Simple press the "Speak with Representative" and a friendly member of our Virtual Branch will be happy to assist you.

Individual Retirement Accounts

Enjoy your golden years by starting a Retirement Account with SFCU. We offer a variety of IRAs to help you achieve your savings goals.

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Frequently Asked Questions

  • The minimum down payment required for a car loan with SFCU is based on a number of factors. It’s best to contact an SFCU Loan Professional directly for specific details. And to discuss our current car loan rates.

  • Yes, you can pay off your car loan early with SFCU. By doing so, you might save money on interest over the life of the loan, and there are no prepayment penalties.

  • Yes, you can use a car loan from SFCU to buy a used car. We offer competitive rates and flexible terms for both new and used vehicles.

  • If you sell your car before the loan is paid off, you’ll need to settle the remaining balance with SFCU. Contact an SFCU Loan Professional for specific steps and more information.

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Checking and Savings Accounts

See how easy money management can be with a free SFCU checking or savings account.

Share Certificates

Grow your savings even faster with high-dividend share certificates.

Mortgage Loans

Make purchasing your next home a breeze with a low-rate mortgage loan from SFCU.

Home Equity Loans

Put your home's equity to work for you! Whether it's a home equity line of credit (HELOC) or a fixed rate home equity SFCU has you covered.

Business Services

Checking and savings accounts, along with lines of credit and loans to help you grow your business.

Youth Accounts

Teach your child healthy financial habits by opening an SFCU Youth Account, so they can start their financial journey on the right foot.

Holiday schedule

Holiday schedule

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Our branches will CLOSE EARLY on Tue., October 22 while our staff participate in an afternoon of development & community service. Please use online, mobile, and/or ATMs to access your account. Click for more details about the branch near you.