We're Here to Help (315) 735-8571

Car Loans

Affording A New Or Used Car

Whether you’re looking for a brand new car (or just new to you), a first-time truck, SUV, or a family minivan, we can give you great rates, financing advice and the preparation you’ll need for extra purchasing power before you head to the dealer.

Happy mother riding with her kids in the car

New Car
Dealing with dealers

We’ll review low interest rates, loan options, payment terms and more, as well as great after-sale protection options. This way you’ll know ahead of time exactly what you can spend, and how you’ll make payments. Once you’re qualified for a loan, pre-approval puts you in the driver’s seat when it’s time to discuss price with a dealer.

Learn More

Used Car 
Preparing for purchase

Whether you’re purchasing a used vehicle in a private deal or from a dealer, we have competitive, low interest rates, and can simplify the entire process. We'll review how much you can afford, current rates, what your payments will be, and all your options. Once you’re qualified for a loan, pre-approval gives you extra purchasing power when it’s time to buy. 

Learn More

Classic Car 
Driving a dream

While we all have our own idea of “classic”, for an auto loan, a classic car is anything 25 years older than the newest model year. If your dream car purchase qualifies, see how we can help you make it a reality with great interest rates and the right financing terms.

Learn More

Motorcycle Loan 
Ready to roll

If you want to buy a new or used motorcycle, we offer lower, fixed-interest rates to make it affordable. Once you have a price range, we can work with you on the details, including loan rates, terms, and options.

Learn More

Car Loan Refinancing
Lowering your payments

When is it the right time to refinance your vehicle? Whether your initial loan is with us or not, we can help you easily decide if refinancing at current rates can lower your monthly payments and save you in the long run. 

Learn More

Need To Repair Your Current Vehicle? 
Start sooner

Don't wait to get the fixes you need. Financing car repairs with a personal loan can be a great way to keep your ride running smooth for years to come.

Learn More

Live Smarter

Ready to start shopping for a better car? Start the application process below.


If you’re not ready to apply for a car loan, and have questions, we are here to help. Call 315-735-8571 to talk about your options or make an appointment with one of our friendly and knowledgeable representatives today. Simply click on the button below, select the “Apply for a Loan” service from the menu and choose the “Auto/Recreational” option.

Let’s Get Started

We look forward to helping you.

Apply Now

Protect Your Investment

Mechanical Breakdown Protection

Mechanical Breakdown Protection covers mechanical breakdowns above the original manufacturer's warranty. This helps ensure that your vehicle investment is protected, and reduces the possibility of out-of-pocket expenses during an unexpected mechanical failure.

Your benefits:

  • $0 deductible on all plans
  • Immediate coverage
  • Direct pay to repair facility
  • Emergency roadside service included
  • Rental car allowance
  • Battery coverage
  • Competitive rates
  • Cost can be included in your loan or purchased outside your loan
  • Fully transferable

Guaranteed Asset Protection

If your vehicle is totaled or stolen, your insurance settlement can be significantly less than the outstanding loan balance. GAP is designed to relieve you of the responsibility for the remainder of the loan balance that may not be covered. We’ll make up that difference.

Your benefits:

  • Low cost protection
  • Eliminates the out-of-pocket expense for the remaining loan balance after loss settlement
  • Auto Deductible Reimbursement (ADR) pays up to $500 per loss (limit of 2 losses per year) when claim is filed and paid with your primary insurance carrier
  • Helps you avoid financial hardship and afford a replacement vehicle
  • Prevents deficiency balance from being added to new loan
  • Helps protect credit rating
  • Learn more about GAP coverage and get a quote here.

*In order to purchase GAP, you must have an active loan with First Source Federal Credit Union on the asset to be covered.

What can you afford?

Try our auto loan calculator.

Auto Loan Comparison Calculator

Want a rough idea?

Check today’s auto loan rates effective April 17, 2021

Including Classics

Term APR
12 Month as low as 1.69%
24 Month as low as 1.69%
36 Month as low as 1.79%
48 Month as low as 1.89%
60 Month as low as 1.99%
72 Month as low as 2.34%
84 Month as low as 2.84%
96 Month as low as 3.84%
108 Month as low as 4.84%


Term APR
12 Month as low as 2.29%
24 Month as low as 2.29%
36 Month as low as 2.39%
48 Month as low as 2.49%
60 Month as low as 2.59%
72 Month as low as 3.04%
84 Month as low as 3.54%

2016 & Older
Excluding Classics

Term APR
12 Month as low as 4.64%
24 Month as low as 4.64%
36 Month as low as 4.99%
48 Month as low as 5.24%
60 Month as low as 5.54%
72 Month as low as 5.94%

Apply for an Auto Loan Now

Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Loan to value is determined by credit score.

Monthly payments for a 5 year new vehicle loan would be $17.53 per $1,000 borrowed.
Monthly payments for a 5 year used vehicle loan would be $17.79 per $1,000 borrowed.
Monthly payments for a 5 year older vehicle loan would be $19.12 per $1,000 borrowed.

*Federally insured by NCUA. Membership and credit requirements apply. Rates and terms determined by overall credit history and subject to change.