Auto Loan in Syracuse, NY
Ready to drive your dream car? We offer competitive auto loan rates and flexible terms to fit your budget. Whether 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 Syracuse, NY
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Monthly Payment
Why Choose Us for Your Auto Loan?
Choose SFCU for your auto loan 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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3
Buy your car
Then you can use the funds to buy your vehicle.
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To qualify for an auto loan, typically a minimum credit score of 600 is required. However, creditworthiness is assessed on a case-by-case basis, and other factors such as income and financial history are also considered. Contact us directly for a more specific answer.
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To apply for an auto loan, you’ll typically need proof of identity, proof of income, and the vehicle’s information. Additional documents may be required, so consult with an SFCU Loan Professional for specific details.
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To track your auto loan balance and payments, log in to your SFCU online banking account or mobile app. Navigate to the loan to view your balance, recent payments, and payment history. Contact us if you need further assistance.
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Yes, you can apply for an auto loan with bad credit. SFCU Loan Professionals will work with you to explore options that fit your budget and provide guidance for credit challenges. Flexible terms are available.
Auto Loans Rates
| Type of Loan | Term (Months) | APR (as low as) |
|---|---|---|
|
New & Used Autos 2025-2023 |
36 |
6.09% |
|
New & Used Autos 2025-2023 |
48 |
6.34% |
|
New & Used Autos 2025-2023 |
66 |
6.59% |
|
New & Used Autos 2025-2023 |
78 |
6.94% |
|
New & Used Autos 2025-2023 |
84 |
7.44% |
|
Used Autos 2022-2020 |
48 |
6.84% |
|
Used Autos 2022-2020 |
66 |
7.04% |
|
Used Autos 2022-2020 |
75 |
7.14% |
|
Used Autos 2022-2020 |
78 |
7.54% |
|
Used Autos 2022-2020 |
84 |
7.74% |
|
Used Autos 2019-2018 |
48 |
7.59% |
|
Used Autos 2019-2018 |
66 |
7.74% |
|
Used Autos 2019-2018 |
78 |
7.94% |
|
Used Autos 2017 & Older |
48 |
9.09% |
|
Used Autos 2017 & Older |
60 |
10.09% |
|
Driving Sense Balloon Auto |
New or used up to 5 years old |
Rate 1% higher than SFCU auto rates |
|
Classic Autos |
36 |
9.39% |
|
Classic Autos |
48 |
10.39% |
|
Classic Autos |
60 |
11.39% |
|
Classic Autos |
72 |
12.39% |
as of 10/15/2024
APR = Annual Percentage Rate
Credit Union membership is required with a $5 minimum deposit.
The above 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.
Receive a Direct Deposit Cash Reward for each qualifying loan with SFCU.
Rates are subject to change without notice.
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