Not a member of Northern Credit Union? Join our family

If you aren't already a member, we welcome you to enjoy the benefits only a credit union can offer.

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
Browse More

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.
    • Become a member to take advantage of these great benefits, getting started is easy, join now!
    • Apply online anytime.
    • Call or text 315-782-0155

    Rates as low as Term
    4.24% Fixed APR 48-months
    4.49% Fixed APR 66-months
    4.74% Fixed APR 75-months
    5.24% Fixed APR 84-months

    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 11/10/2022. 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.
    • Become a member to take advantage of these great benefits, getting started is easy, join now!
    • 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.

  • Smart Choice Auto Loan

    •  New and pre-owned vehicles up to five years old qualify.
    • Flexible terms up to 72 months.
    •  No down payment required.
    • No security deposit.
    • No early payoff penalty.
    • Refinance your current vehicle loan to reduce your monthly payments with the Smart Choice Auto Loan program.
    • Easily upgrade your vehicle every couple of years!
    • Annual mileage options of 7,500, 10,000, 12,000, 15,000 & 18,000 available.
    At any time during your loan term:
    • Sell the vehicle, pay the loan balance and keep any difference.
    • Use the vehicle as a trade-in, and the loan balance is paid as part of the transaction.
    •  Keep the vehicle and refinance the loan balance as a used vehicle loan.
    At loan maturity:
    •  If your vehicle is worth less than what you owe on your loan at maturity, you can turn the vehicle in and “walk away.”
    •  You can use the residual value towards a trade-in, pay off the loan or refinance into a new loan and keep the car, or sell the vehicle at any time.

    Loan rates and terms are determined by each individual’s credit history, underwriting factors, and loan-to-value and are subject to change without notice. Applications are subject to credit approval.*Residual Value and **Guaranteed Future Value (GFV): The residual is the projected value of the vehicle at loan maturity. Our program guarantees this residual – we call it the “Guaranteed Future Value.” If your vehicle is worth less than what you owe on your loan at maturity, you can turn the vehicle in and “walk away.” Or you can keep the vehicle and refinance the loan balance (including residual value) as a used vehicle loan.