Do you have your eye on your dream car? Or, maybe you’re buying your first car? We can help! We offer car loans to buy new and pre-existing vehicles (cars, trucks and motorcycles). We also refinance vehicle loans from other financial institutions - which can significantly reduce your monthly payment and overall interest cost.
All of our car loans offer:
- Affordable payments
- Flexible terms
- Fast approvals
- Friendly service
- No prepayment penalties
- Additional .35% Annual Percentage Rate discount off our regular rates if you have an active checking account or an additional .25% discount for automatic payment*
- Terms up to seven year for new cars
First-time car loans
We offer loans especially for first-time car buyers who have just started working and who have a limited credit history. Loans up to $15,000 are available.
Past credit problems? We can help!
If you'd had some credit problems in the past we can help you get a car with affordable payments and flexible terms. And we have free financial counseling service through BALANCE that can help you get back on track.
Other car loan information
- Finance up to 100% of the selling price or the NADA retail value, whichever is lower, plus sales tax and warranties
Apply for a Vehicle Loan. Call (518) 783-2211 or 1-888-783-2211 for more information.
* Cannot be combined with other rate incentives. In order for your checking account to be considered active, you must make at least one withdrawal, transfer, direct deposit or debit card transaction per month in your account. If you do not meet the requirement, you will lose the discount.