Auto Financing and Motorcycle Financing

Feel the excitement of a new car purchase! Whether it’s new to you or just pulled off the dealer’s lot, we at Money FCU assist in auto financing and motorcycle financing. We offer competitive rates, calculate payments, research vehicles, and more. Now your car-buying experience is both exciting and easy. Car dealers know cars. We know financing. Let our experts help with your next auto loan.

auto financing rate lock

Can I lock in my interest rate while I shop around?

Yes! Money FCU offers a 90-day rate lock guarantee for auto loans and motorcycle loans. Even better, get pre-approved for a Money FCU loan and we lock in the interest rate for 90 days, allowing you time to shop around. We understand you should never make a big purchase in haste, so take your time. Find the vehicle or bike that’s right for you knowing your low rate is secure for 90 days.

If you decide not to purchase a vehicle or find a better rate, there is no penalty or fee for our interest rate lock. If you get a loan offer from another lender or the dealership, let us know! We may be able to beat it. Read about how to increase your negotiating power when buying a car.

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auto financing and credit score

Will my credit score affect my loan rate?

Yes, a person’s credit score does affect the current auto loan interest rate. A higher credit score yields a lower interest rate. Due to this, if your credit score is low, consider a more substantial down payment. A sizable down payment saves in interest accrued over the loan term as well as lowers the initial loan amount. Consequently, this reduces your monthly payment.

Want some helpful tips on getting the best new and used car loan rates? Read our blog, Financing A Used Car Without Sacrificing Your Budget. You may also be interested in our blog on Quick Tips to Repairing Credit if you have bad credit or a low credit score.

0% financing isn’t always the best deal.

0% financing sounds enticing, but sometimes a 0% interest rate isn’t the better option. Often the dealership excludes rebates or price incentives on the vehicle because you’re taking preferred financing. Always ask what the final price of the vehicle is and the interest rate. Then, use the loan calculator to figure out your monthly payment. After that, compare your two options. One with you taking 0% financing and no price incentives, and the other with rebates and incentives, but a higher interest rate through the Credit Union. You may find with 0% that you’ll end up paying hundreds or thousands more by the end of the loan term.

0% financing for auto loans isn't always the best deal

Sample pricing and rates only. See current credit union loan rates online.

Loan Calculator

Check with us before closing the deal.

If you were approved for auto or motorcycle financing at the dealership or another lender, let us know! Call (315) 671-4000 or chat online to let us know what interest rate the dealership offers. Money FCU will gladly look to see if we can match or beat their auto loan rate or motorcycle financing rate. Doing your research will never hurt the price the dealer is offering.

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Suppose your vehicle is stolen or totaled in an accident. GAP insurance helps make up the difference between the insurance settlement and what you owe on your auto loan. Cars depreciate quickly. So, if the vehicle is totaled, your insurance often doesn’t pay out as much as you owe on the car. In this case, this is where GAP coverage kicks in. You’re well prepared for the unexpected auto accident when you have GAP insurance coverage. It helps you avoid paying out of pocket for a destroyed vehicle or rolling over payments for a car no longer in use.

For our warranty program, our partnership with IWS allows us to offer you many comprehensive and flexible warranty programs that you could also get through the dealer, but at a fraction of the cost. Together, Money FCU and IWS help you protect your investment and relieve the pressure of unexpected repairs.

Additionally, you can add a warranty at any time, whether your auto loan is financed with Money FCU or with another bank or credit union. Simply contact one of our loan specialists to discuss your options and pricing.

The Credit Union is where I got my start and has always taken good care of me despite moving 10 different times.

Bruce – Tallahassee, FL
credit union testimonial Kelli

You guys are always so friendly when I call, I love calling all of you because you’re always so upbeat and nice!

Kelli – DeWitt, NY

I started banking with you in 2000, almost 19 years ago. Best bank ever, I moved to CA and you made banking easy when doing electronic banking wasn’t really popular yet.

Jesse – Syracuse, NY

Everything, anything you guys do with me is done 200%. I KNOW that you’ve got my back.  Thank you for this, and for everything you help me with. I truly appreciate it.

Marian – Mahopac, NY

I commend your staff; they are always very pleasant and willing to assist my needs.  Customer Service is very important to me and the credit union definitely shines in this area.

Kathy – Clay, NY

This is by far the best credit union, you guys are so good, you’re always on top of everything and you make me feel like my account is safe.

Regina – Phoenix, NY

I do not say it often enough, but you have great staff!  Nothing is ever a problem, they are terrific!  Amy just helped me out big time and Debbie is always my #1 at the credit union.

Jeff – Wake Forest, NC

I just wanted you to know that it is so nice to get a real person when I call in instead of an automated machine.  I really appreciate it.

Anne – Pittsboro, NC

I just LOVE all of you there. People ask me why I use a credit union in Syracuse and I tell them you can’t beat the customer service!

Denise – Monroe, NY

Thank you for watching for fraudulent activity so diligently.  Not only do you notify me when there is suspicious activity, but you are quick to help recover the money.

Sandy – Liverpool, NY

I’ve been in Charlotte for 7 seven years and I will not change banks because of this type of customer service.

Elliot – Charlotte, NC
credit union testimonial Catherine

Thank you MFCU for all the work you do and for really treating your customers like family.

Catherine – Baltimore, MD
credit union testimonial Michelle

I have to say it again – our credit union is absolutely the best! Hands down, no one else even comes close to the exceptional customer service and knowledge that you receive at Money FCU.

Michelle – Syracuse, NY
credit union testimonial Cindy

I told the car dealer I am sure that I want use Money for financing. The difference is only $7.00 per month. You have the very best customer service of any financial institution that I have worked with. Your customer service is worth every penny of the $7 per month and then some!

Cindy – Tully, NY
credit union testimonial Diane

Each representative takes a special interest in any request made, with coordinating efforts by everyone. At a time when I was in transition, MFCU gave attention to what I needed to continue with them, now over 40 years.

Diane – Wilton, CT
credit union testimonial Michael

I have been a member since 1987 and would NEVER, NEVER, EVER leave Money FCU under ANY circumstances!!

Michael – Clifton Park, NY
credit union testimonial Lisa

I wanted to let you know how much I love having Money instead of Chase! You guys have all been amazing since I have opened my account and I am so happy that I switched!!

Lisa – Syracuse, NY
credit union testimonial Henry

I just love Debbie. She’s my hero!

Henry – Gastonia, NC
credit union testomonial Tony

As we are wrapping details around our third vehicle loan inside of a year or so, I just want to say thank you again. Your customer service is off the charts, and you are a pleasure to deal with.

Anthony – Phoenix, NY
credit union testimonial Pat

Thank you to all of you! You girls are so wonderful! I love my credit union.

Pat – Syracuse, NY
credit union testimonial Lisa too

I thought I would take this opportunity to share with you what phenomenal employees you have. We couldn’t be happier to be blessed enough to have found MONEY FCU, and all that this bank encompasses.

Lisa – Baldwinsville, NY
credit union testimonial Angela

I moved everything out of M & T Bank to you because of the service I receive. I just love you guys!

Angela – Manlius, NY
credit union testimonial Robin

MONEY Federal Credit Union is people – a great group of people – who leave no doubt that while they are helping me, I am the most important thing going on that day.

Robin – Chappaqua, NY
credit union testimonial Jason

I am not sure who is working their magic, but without it my wife and I wouldn’t be able to purchase this house we fell in love with in a neighborhood we fell in love with. I truly appreciate everything Money Federal Credit Union does for my family!

Jason – Baldwinsville, NY

YOU ROCK!!

Kerry – Ossining, NY
credit union testimonial Erik

I have been a member since around 1992 or so and, even though I no longer work at Mutual of New York I have had nothing but excellent service from EVERYONE and I will never stray.

Erik – East Syracuse, NY

When you walk in the door you are always welcomed with a smile and happy greetings. Nothing is ever hard to do. When I need a loan it’s done and ready for me and I don’t even have to do anything! Just come in and sign!

Deb – Liverpool, NY
credit union testimonial Vera

You guys are the greatest. So professional and up to date with technology!

Vera – Warners, NY
credit union testimonial Danielle

I have been banking with MFCU since I was 17 years old. I left NY and banked with other companies but I came back to MFCU. I am so happy that I did!! Your staff has always been so helpful. I just figured you would want to know that your staff is great and they deserve an extra day off :)

Danielle – East Syracuse, NY
credit union testimonial Eileen

You guys haven’t changed a bit since I opened my account in 1987! You are all still so nice to deal with and I’m glad the changing times hasn’t hardened you into being unappreciative of your members. I now live in NJ and you are the best Credit Union I have ever had the pleasure of doing business with!

Eileen – North Arlington, NJ

I remember when I joined the CU in 1980 and you were located in a closet upstairs, and you would write the number of members and the percentage rate on a chalk board on the wall.

Joanne – Syracuse, NY

I just wanted to let you know that your staff has been so helpful since the move out of the building. The staff is always quick and kind. You said that a Credit Union is much like a Bank…I would say that the Credit Union is much better than a bank. I appreciate you guys!!

Michele – Baldwinsville, NY
credit union testimonial Lisa 3

I just wanted to let you know how awesome you are! I tell anyone who’ll listen about the GREAT customer service I get from the MONEY FCU. With commercial banks becoming less and less friendly and helpful and more and more costly, you guys are the best thing around!

Lisa – East Syracuse, NY
credit union testimonials John

I just went through one of the most painless processes getting a home improvement loan. I couldn’t believe how quick and smoothly everything went. I was quite impressed at the level of service. A special thank you also goes out to Debbie for her efficiency and for being so easy to work with!

John – Camillus, NY

I love you guys, one call and it’s done. Love, love, love you all.

Kathy – Fair Lawn, NJ

I just went through the process of taking out a car loan. If it weren’t for Melissa, I wouldn’t have been able to get things done. I wasn’t sure about what to do for so many things, but Melissa did! She was always there for me, quick, soooooo much help. Lucky for me I was smart enough to join your credit union years ago.

Katie – Syracuse, NY
credit union testimonials Meg

I am so grateful to have such kind and helpful people to work with on my banking needs.

Meg – Webster, NY
credit union testimonial Tom

When our office moved I decided to keep my account with you because I don’t mind the 10 minute drive downtown to deal with you guys because you’re always so helpful and friendly.

Tom – Syracuse, NY

I’m ready. How do I apply for auto financing or motorcycle financing?

Great, let’s get you started! Apply for auto and motorcycle financing. Want to learn more about any of our services? Call our friendly agents today at (315) 671-4000. We are ready to answer any of your banking questions.

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