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Auto Loans NY

Get a great deal—and a great deal more.

Get ready to hit the road in less time—and for less money—than you ever thought possible.

  • Low rates
  • Easy 24/7 phone or online application
  • Quick approvals (get your financing and go)
  • Purchase and refinance
  • No credit history required*
  • No prepayment penalties
  • Sign your loan documents electronically
  • Free advice & tools
  • Calculate your savings

New car. Used car. First car. Any one you choose we’ve got you covered.

  • Auto Loans

    Ready to buy a car or motorcycle? Finance it with Northern: We’ll satisfy your need for speed—and savings.

     

    To get started simply:

    • Connect with one of our experienced lending professionals via Video Banking
      Download the Northern Credit Union Video Banking Mobile App or use the Web Version with Safari, Chrome or Firefox.
    • Apply online anytime
    • Call or text 315-782-0155

    Rates as low as Term
    1.99% Fixed APR 48-months
    2.30% Fixed APR 66-months
    2.50% Fixed APR 75-months
    3.70% Fixed APR 84-months

    A typical new auto loan of $25,000 at 1.99% APR would have 48 monthly payments of $542 each month, with total repayment of $26,028. The annual percentage rate is the advertised rate and can vary based on creditworthiness, age of vehicle, and terms of the loan. Contact Northern Credit Union for specific details. Rates are accurate as of 4/12/2021. Rates subject to change.

  • NEXT Auto Loan

    No credit history? No problem with the NEXT auto loan. Designed just for young adults as part of our NEXT Banking package, we look at what you have done, not what you haven’t. Then we’ll help you get flexible terms, a competitive rate, and the chance to build a positive credit history.

    • Borrow as little as $5,000 or as much as $12,500 for your wheels.
    • Take up to 60 months to pay it back.
    • Discounted rate with FREE Auto Pay from your Northern Checking account. *
    • Only 5% down payment required.
    • Finance up to 100%** of NADA retail value.
    • Get cash back for on-time payments—as much as $375. ***

     

    To get started simply:

    • Connect with one of our experienced lending professionals via Video Banking
      Download the Northern Credit Union Video Banking Mobile App or use the Web Version with Safari, Chrome or Firefox.
    • Apply online anytime
    • Call or text 315-782-0155

    To qualify, you must complete the online Credit Matters course, which takes less than 15 minutes. Simply create an account and choose BalanceTrack, then Credit Matters.

    Rates as low as Term
    8.99% Fixed APR** Up to 60 months

    *APR = Annual percentage rate. Includes a ¼ percentage point discount for payment through automatic transfer from a Northern checking account. The monthly payment for a $12,500 NEXT auto loan at 8.99% APR would be $311.02. Rate quoted is with a cosigner. Rate without a cosigner is as low as 12.99% APR. Ask about our Loan Life and Disability protectionGAP coverage and Auto Insurance.

    **Includes sales tax, license and warranty.

    *** Payments are considered “on time” when they are made within 30 days of the loan’s due date. If there are any late payments made on the loan then eligibility for this payment incentive program will be void.

All loans are subject to approval and restrictions may apply. Northern Credit Union reserves the right to change rates for new applications at any time and without notice. Credit union membership and a minimum share deposit are required. 
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