Auto Loan Rates

Auto Loan Rates

Rate Effective Date: 12/12/2025

New Car

	Fixed APR* As Low As
up to 66 months	5.49%
67 - 78 months	6.49%
*Fixed Annual Percentage Rate

Used Car

	Fixed APR* As Low As
2025, 2024-2023, Up to 66 months	6.99%
2025, 2024-2023, 67 to 78 months	7.29%
2022 to 2021, Up to 60 months	6.99%
2022 to 2021, 61 to 66 Months	7.49%
2020 and older, up to 54 Months	7.99%
2020 and older, 55 to 60 Months	8.49%
*Fixed Annual Percentage Rate

Farm Equipment Loan

	Fixed APR* As Low As
Up to $5,000, maximum 36 months	7.49%**
$5,001 to $20,000, up to 48 months	8.49%**
$20,001 to $25,000, up to 60 months	8.49%**
$25,001+, up to 72 months	8.49%**
*Fixed Annual Percentage Rate

Recreational Vehicle

	Fixed APR* As Low As
New, up to 10 years	9.49%
Used, 1 to 3 years old, 8 years	10.49%
Used, 4 years and older, 5 years	10.49%
*Fixed Annual Percentage Rate

Contact

168 E Fairmount Ave
Lakewood, NY 14750

(716) 665-7000

View Location & Hours