Credit union · New York

ServU Federal Credit Union auto loan rates compared

JustAutoRates is an independent comparison site. We aren’t affiliated with the lenders listed here. To apply, visit the lender’s own site.

New York · Headquarters New YorkChecked Nov 13, 2026Rate page on servucu.com

EligibilityPer ServU: if you live, work, worship, regularly conduct business in or attend school in one of the following 17 counties: New York: Allegany, Cattaraugus, Chemung, Genesee, Livingston, Ontario, Schuyler, Seneca, Steuben, Tioga, Tompkins, Wyoming, or Yates Pennsylvania: Bradford, McKean, Potter, or Tioga

Visit lender Opens servucu.com

Lowest new rate

5.24%APR, as low as

NewUp to 36 monthsServU Federal Credit Union

LTV 115% or lessLTV 115% or less: Loan-to-value (loan amount vs. vehicle value) must be 115% or less. Your rate still depends on creditworthiness, term, and eligibility.Western NY & N. PA countiesWestern NY & N. PA counties: For a specific group: only open to people who live, work, worship, regularly conduct business in or attend school in Allegany, Cattaraugus, Chemung, Genesee, Livingston, Ontario, Schuyler, Seneca, Steuben, Tioga, Tompkins, Wyoming, or Yates County, NY, or Bradford, McKean, Potter, or Tioga County, PA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
+1 more
Rate details & disclosures

Example: $25,000 financed for 36 months at 5.24% APR. Estimated payment: $752/mo

Assumes fixed APR, $0 down, no fees.

NY lender. Not all qualify, see requirements.

Lenders

Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.

NewNew car rates · 5 rates

NYChecked Nov 13, 2026

New
As low as

5.24%APRUp to 36 months

2022 or newer models

Requires:LTV 115% or lessLTV 115% or less: Loan-to-value (loan amount vs. vehicle value) must be 115% or less. Your rate still depends on creditworthiness, term, and eligibility.Western NY & N. PA countiesWestern NY & N. PA counties: For a specific group: only open to people who live, work, worship, regularly conduct business in or attend school in Allegany, Cattaraugus, Chemung, Genesee, Livingston, Ontario, Schuyler, Seneca, Steuben, Tioga, Tompkins, Wyoming, or Yates County, NY, or Bradford, McKean, Potter, or Tioga County, PA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 36 months at 5.24% APR. Estimated payment: $752/mo

Assumes fixed APR, $0 down, no fees.

Advertised as up to 36 months. Auto Loans, Effective Date: October 5, 2026: 2022 & newer, 0-36 mo, APR* 5.24%. New vs used not separated (rates are by model year). "* APR = Annual Percentage Rate" "**Finance up to 115% of NADA book value including sales tax. Collision & Comprehensive Insurance required."

Checked Nov 13, 2026Source servucu.com

Calculate payment, ServU Federal Credit Union, 5.24% APR, new, up to 36 months, 2022 or newer modelsVisit lender, ServU Federal Credit Union, 5.24% APR, new, up to 36 months, 2022 or newer models ↗

NYChecked Nov 13, 2026

New
As low as

5.24%APR37–48 months

2022 or newer models

Requires:LTV 115% or lessLTV 115% or less: Loan-to-value (loan amount vs. vehicle value) must be 115% or less. Your rate still depends on creditworthiness, term, and eligibility.Western NY & N. PA countiesWestern NY & N. PA counties: For a specific group: only open to people who live, work, worship, regularly conduct business in or attend school in Allegany, Cattaraugus, Chemung, Genesee, Livingston, Ontario, Schuyler, Seneca, Steuben, Tioga, Tompkins, Wyoming, or Yates County, NY, or Bradford, McKean, Potter, or Tioga County, PA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 48 months at 5.24% APR. Estimated payment: $579/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 37-48 months. Auto Loans, Effective Date: October 5, 2026: 2022 & newer, 37-48 mo, APR* 5.24%. New vs used not separated (rates are by model year). "* APR = Annual Percentage Rate" "**Finance up to 115% of NADA book value including sales tax. Collision & Comprehensive Insurance required."

Checked Nov 13, 2026Source servucu.com

Calculate payment, ServU Federal Credit Union, 5.24% APR, new, 37–48 months, 2022 or newer modelsVisit lender, ServU Federal Credit Union, 5.24% APR, new, 37–48 months, 2022 or newer models ↗

NYChecked Nov 13, 2026

New
As low as

5.49%APR49–72 months

2022 or newer models

Requires:LTV 115% or lessLTV 115% or less: Loan-to-value (loan amount vs. vehicle value) must be 115% or less. Your rate still depends on creditworthiness, term, and eligibility.Western NY & N. PA countiesWestern NY & N. PA counties: For a specific group: only open to people who live, work, worship, regularly conduct business in or attend school in Allegany, Cattaraugus, Chemung, Genesee, Livingston, Ontario, Schuyler, Seneca, Steuben, Tioga, Tompkins, Wyoming, or Yates County, NY, or Bradford, McKean, Potter, or Tioga County, PA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 72 months at 5.49% APR. Estimated payment: $409/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 49-72 months. Auto Loans, Effective Date: October 5, 2026: 2022 & newer, 49-72 mo, APR* 5.49%. New vs used not separated (rates are by model year). "* APR = Annual Percentage Rate" "**Finance up to 115% of NADA book value including sales tax. Collision & Comprehensive Insurance required." "Example: A $35,000 Auto loan at 5.49% APR would have 72 monthly payments of $573.85. Insurances not included in this payment example."

Checked Nov 13, 2026Source servucu.com

Calculate payment, ServU Federal Credit Union, 5.49% APR, new, 49–72 months, 2022 or newer modelsVisit lender, ServU Federal Credit Union, 5.49% APR, new, 49–72 months, 2022 or newer models ↗

NYChecked Nov 13, 2026

New
As low as

5.74%APR73–84 months

2022 or newer models

Requires:LTV 115% or lessLTV 115% or less: Loan-to-value (loan amount vs. vehicle value) must be 115% or less. Your rate still depends on creditworthiness, term, and eligibility.Western NY & N. PA countiesWestern NY & N. PA counties: For a specific group: only open to people who live, work, worship, regularly conduct business in or attend school in Allegany, Cattaraugus, Chemung, Genesee, Livingston, Ontario, Schuyler, Seneca, Steuben, Tioga, Tompkins, Wyoming, or Yates County, NY, or Bradford, McKean, Potter, or Tioga County, PA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 84 months at 5.74% APR. Estimated payment: $363/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 73-84 months. Auto Loans, Effective Date: October 5, 2026: 2022 & newer, 73-84 mo, APR* 5.74%. New vs used not separated (rates are by model year). "* APR = Annual Percentage Rate" "**Finance up to 115% of NADA book value including sales tax. Collision & Comprehensive Insurance required."

Checked Nov 13, 2026Source servucu.com

Calculate payment, ServU Federal Credit Union, 5.74% APR, new, 73–84 months, 2022 or newer modelsVisit lender, ServU Federal Credit Union, 5.74% APR, new, 73–84 months, 2022 or newer models ↗

NYChecked Nov 13, 2026

New
As low as

5.99%APR85–96 months

2022 or newer models

Requires:LTV 115% or lessLTV 115% or less: Loan-to-value (loan amount vs. vehicle value) must be 115% or less. Your rate still depends on creditworthiness, term, and eligibility.Min. loan $30,000Min. loan $30,000: The lender publishes this rate with a $30,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.Western NY & N. PA countiesWestern NY & N. PA counties: For a specific group: only open to people who live, work, worship, regularly conduct business in or attend school in Allegany, Cattaraugus, Chemung, Genesee, Livingston, Ontario, Schuyler, Seneca, Steuben, Tioga, Tompkins, Wyoming, or Yates County, NY, or Bradford, McKean, Potter, or Tioga County, PA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 96 months at 5.99% APR. Estimated payment: $329/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 85-96 months. Auto Loans, Effective Date: October 5, 2026: 2022 & newer, 85-96 mo, APR* 5.99%. New vs used not separated (rates are by model year). "* APR = Annual Percentage Rate" "**Finance up to 115% of NADA book value including sales tax. Collision & Comprehensive Insurance required." "min. amount of $30,000 for 85-96mo term"

Checked Nov 13, 2026Source servucu.com

Calculate payment, ServU Federal Credit Union, 5.99% APR, new, 85–96 months, 2022 or newer modelsVisit lender, ServU Federal Credit Union, 5.99% APR, new, 85–96 months, 2022 or newer models ↗
5.24%APR

New car

Visit lender, ServU Federal Credit Union, 5.24% APR, new, up to 36 months, 2022 or newer models

NY · 2022 or newer modelsChecked Nov 13, 2026Up to 36 months

LTV 115% or lessLTV 115% or less: Loan-to-value (loan amount vs. vehicle value) must be 115% or less. Your rate still depends on creditworthiness, term, and eligibility.Western NY & N. PA countiesWestern NY & N. PA counties: For a specific group: only open to people who live, work, worship, regularly conduct business in or attend school in Allegany, Cattaraugus, Chemung, Genesee, Livingston, Ontario, Schuyler, Seneca, Steuben, Tioga, Tompkins, Wyoming, or Yates County, NY, or Bradford, McKean, Potter, or Tioga County, PA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 36 months at 5.24% APR. Estimated payment: $752/mo

Assumes fixed APR, $0 down, no fees.

5.24%APR

New car

Visit lender, ServU Federal Credit Union, 5.24% APR, new, 37–48 months, 2022 or newer models

NY · 2022 or newer modelsChecked Nov 13, 202637–48 months

LTV 115% or lessLTV 115% or less: Loan-to-value (loan amount vs. vehicle value) must be 115% or less. Your rate still depends on creditworthiness, term, and eligibility.Western NY & N. PA countiesWestern NY & N. PA counties: For a specific group: only open to people who live, work, worship, regularly conduct business in or attend school in Allegany, Cattaraugus, Chemung, Genesee, Livingston, Ontario, Schuyler, Seneca, Steuben, Tioga, Tompkins, Wyoming, or Yates County, NY, or Bradford, McKean, Potter, or Tioga County, PA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 48 months at 5.24% APR. Estimated payment: $579/mo

Assumes fixed APR, $0 down, no fees.

5.49%APR

New car

Visit lender, ServU Federal Credit Union, 5.49% APR, new, 49–72 months, 2022 or newer models

NY · 2022 or newer modelsChecked Nov 13, 202649–72 months

LTV 115% or lessLTV 115% or less: Loan-to-value (loan amount vs. vehicle value) must be 115% or less. Your rate still depends on creditworthiness, term, and eligibility.Western NY & N. PA countiesWestern NY & N. PA counties: For a specific group: only open to people who live, work, worship, regularly conduct business in or attend school in Allegany, Cattaraugus, Chemung, Genesee, Livingston, Ontario, Schuyler, Seneca, Steuben, Tioga, Tompkins, Wyoming, or Yates County, NY, or Bradford, McKean, Potter, or Tioga County, PA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 72 months at 5.49% APR. Estimated payment: $409/mo

Assumes fixed APR, $0 down, no fees.

5.74%APR

New car

Visit lender, ServU Federal Credit Union, 5.74% APR, new, 73–84 months, 2022 or newer models

NY · 2022 or newer modelsChecked Nov 13, 202673–84 months

LTV 115% or lessLTV 115% or less: Loan-to-value (loan amount vs. vehicle value) must be 115% or less. Your rate still depends on creditworthiness, term, and eligibility.Western NY & N. PA countiesWestern NY & N. PA counties: For a specific group: only open to people who live, work, worship, regularly conduct business in or attend school in Allegany, Cattaraugus, Chemung, Genesee, Livingston, Ontario, Schuyler, Seneca, Steuben, Tioga, Tompkins, Wyoming, or Yates County, NY, or Bradford, McKean, Potter, or Tioga County, PA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 84 months at 5.74% APR. Estimated payment: $363/mo

Assumes fixed APR, $0 down, no fees.

5.99%APR

New car

Visit lender, ServU Federal Credit Union, 5.99% APR, new, 85–96 months, 2022 or newer models

NY · 2022 or newer modelsChecked Nov 13, 202685–96 months

LTV 115% or lessLTV 115% or less: Loan-to-value (loan amount vs. vehicle value) must be 115% or less. Your rate still depends on creditworthiness, term, and eligibility.Min. loan $30,000Min. loan $30,000: The lender publishes this rate with a $30,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreWestern NY & N. PA countiesWestern NY & N. PA counties: For a specific group: only open to people who live, work, worship, regularly conduct business in or attend school in Allegany, Cattaraugus, Chemung, Genesee, Livingston, Ontario, Schuyler, Seneca, Steuben, Tioga, Tompkins, Wyoming, or Yates County, NY, or Bradford, McKean, Potter, or Tioga County, PA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 96 months at 5.99% APR. Estimated payment: $329/mo

Assumes fixed APR, $0 down, no fees.

UsedUsed car rates · 5 rates

NYChecked Nov 13, 2026

Used
As low as

5.24%APRUp to 36 months

2022 or newer models

Requires:LTV 115% or lessLTV 115% or less: Loan-to-value (loan amount vs. vehicle value) must be 115% or less. Your rate still depends on creditworthiness, term, and eligibility.Western NY & N. PA countiesWestern NY & N. PA counties: For a specific group: only open to people who live, work, worship, regularly conduct business in or attend school in Allegany, Cattaraugus, Chemung, Genesee, Livingston, Ontario, Schuyler, Seneca, Steuben, Tioga, Tompkins, Wyoming, or Yates County, NY, or Bradford, McKean, Potter, or Tioga County, PA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 36 months at 5.24% APR. Estimated payment: $752/mo

Assumes fixed APR, $0 down, no fees.

Advertised as up to 36 months. Auto Loans, Effective Date: October 5, 2026: 2022 & newer, 0-36 mo, APR* 5.24%. New vs used not separated (rates are by model year). "* APR = Annual Percentage Rate" "**Finance up to 115% of NADA book value including sales tax. Collision & Comprehensive Insurance required."

Checked Nov 13, 2026Source servucu.com

Calculate payment, ServU Federal Credit Union, 5.24% APR, used, up to 36 months, 2022 or newer modelsVisit lender, ServU Federal Credit Union, 5.24% APR, used, up to 36 months, 2022 or newer models ↗

NYChecked Nov 13, 2026

Used
As low as

5.24%APR37–48 months

2022 or newer models

Requires:LTV 115% or lessLTV 115% or less: Loan-to-value (loan amount vs. vehicle value) must be 115% or less. Your rate still depends on creditworthiness, term, and eligibility.Western NY & N. PA countiesWestern NY & N. PA counties: For a specific group: only open to people who live, work, worship, regularly conduct business in or attend school in Allegany, Cattaraugus, Chemung, Genesee, Livingston, Ontario, Schuyler, Seneca, Steuben, Tioga, Tompkins, Wyoming, or Yates County, NY, or Bradford, McKean, Potter, or Tioga County, PA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 48 months at 5.24% APR. Estimated payment: $579/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 37-48 months. Auto Loans, Effective Date: October 5, 2026: 2022 & newer, 37-48 mo, APR* 5.24%. New vs used not separated (rates are by model year). "* APR = Annual Percentage Rate" "**Finance up to 115% of NADA book value including sales tax. Collision & Comprehensive Insurance required."

Checked Nov 13, 2026Source servucu.com

Calculate payment, ServU Federal Credit Union, 5.24% APR, used, 37–48 months, 2022 or newer modelsVisit lender, ServU Federal Credit Union, 5.24% APR, used, 37–48 months, 2022 or newer models ↗

NYChecked Nov 13, 2026

Used
As low as

5.49%APR49–72 months

2022 or newer models

Requires:LTV 115% or lessLTV 115% or less: Loan-to-value (loan amount vs. vehicle value) must be 115% or less. Your rate still depends on creditworthiness, term, and eligibility.Western NY & N. PA countiesWestern NY & N. PA counties: For a specific group: only open to people who live, work, worship, regularly conduct business in or attend school in Allegany, Cattaraugus, Chemung, Genesee, Livingston, Ontario, Schuyler, Seneca, Steuben, Tioga, Tompkins, Wyoming, or Yates County, NY, or Bradford, McKean, Potter, or Tioga County, PA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 72 months at 5.49% APR. Estimated payment: $409/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 49-72 months. Auto Loans, Effective Date: October 5, 2026: 2022 & newer, 49-72 mo, APR* 5.49%. New vs used not separated (rates are by model year). "* APR = Annual Percentage Rate" "**Finance up to 115% of NADA book value including sales tax. Collision & Comprehensive Insurance required." "Example: A $35,000 Auto loan at 5.49% APR would have 72 monthly payments of $573.85. Insurances not included in this payment example."

Checked Nov 13, 2026Source servucu.com

Calculate payment, ServU Federal Credit Union, 5.49% APR, used, 49–72 months, 2022 or newer modelsVisit lender, ServU Federal Credit Union, 5.49% APR, used, 49–72 months, 2022 or newer models ↗

NYChecked Nov 13, 2026

Used
As low as

5.74%APR73–84 months

2022 or newer models

Requires:LTV 115% or lessLTV 115% or less: Loan-to-value (loan amount vs. vehicle value) must be 115% or less. Your rate still depends on creditworthiness, term, and eligibility.Western NY & N. PA countiesWestern NY & N. PA counties: For a specific group: only open to people who live, work, worship, regularly conduct business in or attend school in Allegany, Cattaraugus, Chemung, Genesee, Livingston, Ontario, Schuyler, Seneca, Steuben, Tioga, Tompkins, Wyoming, or Yates County, NY, or Bradford, McKean, Potter, or Tioga County, PA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 84 months at 5.74% APR. Estimated payment: $363/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 73-84 months. Auto Loans, Effective Date: October 5, 2026: 2022 & newer, 73-84 mo, APR* 5.74%. New vs used not separated (rates are by model year). "* APR = Annual Percentage Rate" "**Finance up to 115% of NADA book value including sales tax. Collision & Comprehensive Insurance required."

Checked Nov 13, 2026Source servucu.com

Calculate payment, ServU Federal Credit Union, 5.74% APR, used, 73–84 months, 2022 or newer modelsVisit lender, ServU Federal Credit Union, 5.74% APR, used, 73–84 months, 2022 or newer models ↗

NYChecked Nov 13, 2026

Used
As low as

5.99%APR85–96 months

2022 or newer models

Requires:LTV 115% or lessLTV 115% or less: Loan-to-value (loan amount vs. vehicle value) must be 115% or less. Your rate still depends on creditworthiness, term, and eligibility.Min. loan $30,000Min. loan $30,000: The lender publishes this rate with a $30,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.Western NY & N. PA countiesWestern NY & N. PA counties: For a specific group: only open to people who live, work, worship, regularly conduct business in or attend school in Allegany, Cattaraugus, Chemung, Genesee, Livingston, Ontario, Schuyler, Seneca, Steuben, Tioga, Tompkins, Wyoming, or Yates County, NY, or Bradford, McKean, Potter, or Tioga County, PA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 96 months at 5.99% APR. Estimated payment: $329/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 85-96 months. Auto Loans, Effective Date: October 5, 2026: 2022 & newer, 85-96 mo, APR* 5.99%. New vs used not separated (rates are by model year). "* APR = Annual Percentage Rate" "**Finance up to 115% of NADA book value including sales tax. Collision & Comprehensive Insurance required." "min. amount of $30,000 for 85-96mo term"

Checked Nov 13, 2026Source servucu.com

Calculate payment, ServU Federal Credit Union, 5.99% APR, used, 85–96 months, 2022 or newer modelsVisit lender, ServU Federal Credit Union, 5.99% APR, used, 85–96 months, 2022 or newer models ↗
5.24%APR

Used car

Visit lender, ServU Federal Credit Union, 5.24% APR, used, up to 36 months, 2022 or newer models

NY · 2022 or newer modelsChecked Nov 13, 2026Up to 36 months

LTV 115% or lessLTV 115% or less: Loan-to-value (loan amount vs. vehicle value) must be 115% or less. Your rate still depends on creditworthiness, term, and eligibility.Western NY & N. PA countiesWestern NY & N. PA counties: For a specific group: only open to people who live, work, worship, regularly conduct business in or attend school in Allegany, Cattaraugus, Chemung, Genesee, Livingston, Ontario, Schuyler, Seneca, Steuben, Tioga, Tompkins, Wyoming, or Yates County, NY, or Bradford, McKean, Potter, or Tioga County, PA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 36 months at 5.24% APR. Estimated payment: $752/mo

Assumes fixed APR, $0 down, no fees.

5.24%APR

Used car

Visit lender, ServU Federal Credit Union, 5.24% APR, used, 37–48 months, 2022 or newer models

NY · 2022 or newer modelsChecked Nov 13, 202637–48 months

LTV 115% or lessLTV 115% or less: Loan-to-value (loan amount vs. vehicle value) must be 115% or less. Your rate still depends on creditworthiness, term, and eligibility.Western NY & N. PA countiesWestern NY & N. PA counties: For a specific group: only open to people who live, work, worship, regularly conduct business in or attend school in Allegany, Cattaraugus, Chemung, Genesee, Livingston, Ontario, Schuyler, Seneca, Steuben, Tioga, Tompkins, Wyoming, or Yates County, NY, or Bradford, McKean, Potter, or Tioga County, PA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 48 months at 5.24% APR. Estimated payment: $579/mo

Assumes fixed APR, $0 down, no fees.

5.49%APR

Used car

Visit lender, ServU Federal Credit Union, 5.49% APR, used, 49–72 months, 2022 or newer models

NY · 2022 or newer modelsChecked Nov 13, 202649–72 months

LTV 115% or lessLTV 115% or less: Loan-to-value (loan amount vs. vehicle value) must be 115% or less. Your rate still depends on creditworthiness, term, and eligibility.Western NY & N. PA countiesWestern NY & N. PA counties: For a specific group: only open to people who live, work, worship, regularly conduct business in or attend school in Allegany, Cattaraugus, Chemung, Genesee, Livingston, Ontario, Schuyler, Seneca, Steuben, Tioga, Tompkins, Wyoming, or Yates County, NY, or Bradford, McKean, Potter, or Tioga County, PA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 72 months at 5.49% APR. Estimated payment: $409/mo

Assumes fixed APR, $0 down, no fees.

5.74%APR

Used car

Visit lender, ServU Federal Credit Union, 5.74% APR, used, 73–84 months, 2022 or newer models

NY · 2022 or newer modelsChecked Nov 13, 202673–84 months

LTV 115% or lessLTV 115% or less: Loan-to-value (loan amount vs. vehicle value) must be 115% or less. Your rate still depends on creditworthiness, term, and eligibility.Western NY & N. PA countiesWestern NY & N. PA counties: For a specific group: only open to people who live, work, worship, regularly conduct business in or attend school in Allegany, Cattaraugus, Chemung, Genesee, Livingston, Ontario, Schuyler, Seneca, Steuben, Tioga, Tompkins, Wyoming, or Yates County, NY, or Bradford, McKean, Potter, or Tioga County, PA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 84 months at 5.74% APR. Estimated payment: $363/mo

Assumes fixed APR, $0 down, no fees.

5.99%APR

Used car

Visit lender, ServU Federal Credit Union, 5.99% APR, used, 85–96 months, 2022 or newer models

NY · 2022 or newer modelsChecked Nov 13, 202685–96 months

LTV 115% or lessLTV 115% or less: Loan-to-value (loan amount vs. vehicle value) must be 115% or less. Your rate still depends on creditworthiness, term, and eligibility.Min. loan $30,000Min. loan $30,000: The lender publishes this rate with a $30,000 minimum loan amount. Your rate still depends on creditworthiness, term, and eligibility.
+1 moreWestern NY & N. PA countiesWestern NY & N. PA counties: For a specific group: only open to people who live, work, worship, regularly conduct business in or attend school in Allegany, Cattaraugus, Chemung, Genesee, Livingston, Ontario, Schuyler, Seneca, Steuben, Tioga, Tompkins, Wyoming, or Yates County, NY, or Bradford, McKean, Potter, or Tioga County, PA. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 96 months at 5.99% APR. Estimated payment: $329/mo

Assumes fixed APR, $0 down, no fees.