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New Car Loan

Make Purchasing Easy with Financing in Hand

The best advice we can give when it comes to getting a new vehicle is to give us a call before you shop. Why? We can provide a free financial checkup, including reviewing your credit to help you determine what you can afford, check current rates, offer tips for the purchasing process and help you get pre-approved. We’ll see if you’re able to offer a down payment. This can help lessen the amount you have to borrow and the time it will take to repay, shortening the term of your loan. When you do find something to buy, you’ll go into negotiations with more purchasing power.

Couple buying a new car

What to Expect

We'll review your loan options, and explain some great after-sale protection plans that can be rolled right into your loan, like Guaranteed Asset Protection (GAP), Auto Deductible Reimbursement (ADR) and Mechanical Breakdown Protection (MBP). We’ll walk you through the process, and answer any questions you have.

New Car Loan Rates

See our current rates below.

Live Smarter

Let’s see what you can afford and get started below.


If you’re not ready to apply for a new 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.

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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 October 27, 2021

Including Classics

Term APR
12 Month as low as 1.44%
24 Month as low as 1.44%
36 Month as low as 1.54%
48 Month as low as 1.64%
60 Month as low as 1.74%
72 Month as low as 2.09%
84 Month as low as 2.59%
96 Month as low as 3.59%
108 Month as low as 4.59%


Term APR
12 Month as low as 2.04%
24 Month as low as 2.04%
36 Month as low as 2.14%
48 Month as low as 2.24%
60 Month as low as 2.34%
72 Month as low as 2.79%
84 Month as low as 3.29%

2016 & Older
Excluding Classics

Term APR
12 Month as low as 4.34%
24 Month as low as 4.34%
36 Month as low as 4.69%
48 Month as low as 4.94%
60 Month as low as 5.24%
72 Month as low as 5.64%

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 at 1.74% would be $17.42 per $1,000 borrowed.
Monthly payments for a 5 year used vehicle loan at 2.34% would be $17.68 per $1,000 borrowed.
Monthly payments for a 5 year older vehicle loan at 5.24% would be $18.98 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.