Auto Loan

You worry about the color, we've got the finances covered.

Our members can't say enough about our Auto Loans! Flexible terms, low rates, and knowing what you really need are our strengths.

Feel like getting your loan at the dealer on a Saturday? No problem! Take a look at our local partners below, who help us ensure we are where you need us to be.

Want to buy a vehicle that is a couple of years old and has some miles on it, but you want new car rates? We've got you covered! In fact, we don't know anyone who is this flexible with calling an auto 'new''s another benefit of your membership at CFCU!

Looking for clear information about what we offer? It's what we excel at. No need to fill out some form online to learn about a simple auto loan. Check this page out and we're confident you'll choose us! Our knowledgeable AutoConnection SM  team is available to help with any of your questions as well!

We've got what you need!

Apply online today!


The groovy new way to find your next car!

Simplify your car buying process by using CFCU's newest car shopping tool that gives members the opportunity to search local inventory, do vehicle comparisons, and even get a FREE CarFax!

Get more information here!


  • Flexible repayment terms up to 84 months.

  • No prepayment penalties.

  • Some of the best local and national rates!

  • Quick application process, find out if you qualify today.

  • Have partnered with many local dealers to allow you to get a loan at the dealership.

  • Clear, understandable loan process handled by professional and knowledgeable staff

Amazing Member Benefit!

When unexpected expenses crop up, CFCU Members can request to skip up to two eligible loan payments a year! Just another benefit of membership here at CFCU.

Learn about our Skip a Pay Benefit!

Partner Dealers

Maguire Family of Dealerships — (new/used)
Maguire Automotive

Maguire Ford

Maguire Nissan

Maguire Chevrolet

Maguire Chevrolet-Cadillac

Maguire Chrysler

Maguire Dodge Ram of Syracuse

Maguire Hyundai-Subaru

Maguire Nissan of Syracuse

Maguire Watkins Glen

Honda of Ithaca

Royal Automotive Group

Sun Auto Warehouse

Action Auto

Augie's Auto

Auto Smart, LLC, Endicott, NY  

Automotive Consultants

Binghamton Chrysler Jeep Dodge

Bridgeland Auto Brokers

Brush & Pallete

Byron's Auto Sales - Call (607) 756-7677

Camping World RV Sales 

Cars R Us - Call (607) 773-0031

CJs Car America in Bridgeport and Cicero, NY 

CNY PowerSports

Cooks Recreation

Cortland CDJ

Cortland Used Cars

D'Amico Chrysler Dodge Jeep Ram

East Coast Motors

Eagle Auto Center, Inc.

FC Waffner Auto Sales

Finger Lakes Harley-Davidson

Great Outdoors RV


Hilltop Auto

Ithaca Recreation Sports

Jack McNerney Chevrolet

LoPiccolos Auto Group in Auburn, NY  

Main Street Auto


Matts Auto

Meyers RV Superstore

MGM Auto

Michaels Auto Sales

Peacock Auto Sales, Cortland, NY

PJ's Autos

Pops Automotive

Pritchard Automotive

R J Whyte

Ridge Road Imports

Riverbank Auto

Royal Ford Motors Inc. in Owego , NY 

Royal Ford 

Select Eurocars

Select Motorcars


Stupid Choppers

Tex's Auto

Top 5 Rated

Tropical Wheels

Upstate Auto

Vision Motor Co.

Xtreme Motors

Don't see your dealer on this list? Or do you want some advice on the car buying process? Get pre-approved before walking into a dealer, and we'll arm you with the knowledge and financing you need to succeed!

Apply for a loan and get pre-approved today!


Table data for Auto Loan Rates
 Rates as of 10/1/2019
Annual Percentage Rate as low as Term Payment per $1,000 Alert Me
Newer Autos/Motorcycles 2017 - 2020 3.00% up to 36 months $29.04
at 36 mo
Receive a notification when this rate changes
Newer Autos/Motorcycles 2017 - 2020 3.85% 37-60 months $18.36
at 60 mo
Receive a notification when this rate changes
Newer Autos/Motorcycles 2017 - 2020 4.50% 61-72 months $15.88
at 72 mo
Receive a notification when this rate changes
Newer Autos/Motorcycles 2017 - 2020 6.00% 73-84 months $14.62
at 84 mo
Receive a notification when this rate changes
Used Autos/Motorcycles 2011 - 2016 4.75% up to 60 months $18.78
at 60 mo
Receive a notification when this rate changes
Used Autos/Motorcycles 2011 - 2016 6.00% 61-72 months $16.60
at 72 mo
Receive a notification when this rate changes
Used Autos/Motorcycles 2007 - 2010 6.25 % up to 36 months $16.70
at 36 mo
Receive a notification when this rate changes
Rates quoted “as low as” are subject to change without notice. Rate determined by credit score, term of loan, and model year of vehicle. All loan applications are subject to approval. The Credit Union reviews every loan application to ensure fairness and compliance to CFCU policy.

What is APR?


Auto Insurance

Looking for Auto Insurance? Save an average of $608!*

CFCU Insurance Services wants to put money back in YOUR pocket with affordable Auto Insurance. Call today for multiple affordable quotes and get on the road to savings without delay!

Click to learn more.

* Average Savings figure is a national average savings number from March 2016 to February 2017 of auto, homeowner, and packaged policyholders’ savings per customer when compared to the policyholders’ former premiums. Individual premiums and savings will vary. Insurance products are not insured by NCUA or any Federal Government Agency; are not a deposit of, or guaranteed by CFCU Community Credit Union or any affiliated entity; and may lose value. Any  insurance required as a condition of the extension of credit by CFCU Community Credit Union need not be purchased from our Agency but may, without aaffecting the approval of the application for an extension of credit, be purchased from an agent or insurance company of the member’s choice.

GAP Coverage

Most insurance policies only cover the value of the vehicle, something that rapidly declines during the first years of ownership. If your vehicle, boat, motorcycle, or RV is stolen or involved in a major accident, you could lose your investment.

Guaranteed Asset Protection (GAP) is a non-insurance product and is made available via a loan/lease deficiency waiver that covers the "gap" between the vehicle's value and the amount you still owe. Essentially, GAP covers the difference between your primary carrier's insurance settlement and the payoff of your loan or lease, less delinquent payments, late charges, refundable service warranty contracts, and other insurance related charges, less your deductible. This is an optional product offering from CFCU.

Don't owe on your loan after an accident, have it covered with our GAP product.

Borrower Security - Protect your family against the unexpected.

Life can be wonderful. But it also can get complicated when unexpected things happen. Protecting your loan payments against death, disability, or involuntary unemployment could help protect your finances.

This protection could cancel you loan balance or payments up to the contract maximums. Protect your loan payments today so you can worry a little less about tomorrow. Purchasing protection is voluntary and won't affect your loan approval. It's simple to apply. Ask your loan officer about eligibility, conditions, or exclusions*

*Refer to member agreement for a full explanation of terms and conditions.

Mechanical Repair Coverage - Lighten the financial burden from breakdowns.

As your vehicle gets older and miles add up, will you be able to afford the repairs you need to keep your car on the road? Mechancial Repair Coverage can help limit the cost of any covered breakdowns. You pay only the applicable deductible, if any. Mechancial Repair Coverage can help lighten the financial burden for you and the people you care about. Worry a little less about tomorrow and get covered today!

Want more details? Go to or talk to your Loan Officer today!


Simplify your car buying process by using CFCU's newest car shopping tool!

  • Search local inventory
  • Save cars for future research
  • Shop with confidence with credit union pre-approval
  • Free CarFax, vehicle comparison, and more!

Visit your exclusive auto buying center today!