Auto Loans

New to you or new off the dealer’s lot, buying a car is exciting!
With competitive rates and quick service, our team is available to help you.
We can assist you to calculate payments, research vehicles, and more.
Let us make the car-buying process easier for you.

Rate Lock

Get peace of mind knowing your low rate is locked in
while you shop for your new wheels.

Competitive Rates

We look at more than your credit score, so even if it isn’t perfect, we can offer competitive rates to get you into that new car.

Trust the Experts

A car dealer knows cars. We know money. Get preapproved to increase your negotiating power and let the experts handle the financing side of the deal.

Pre-approval locks in your rate for 90 days.

Getting pre-approved gives you the time to shop for a car knowing your low rate is secured for 90 days.

We always encourage our members to do their homework before making a deal. Sometimes 0% isn’t the better option. Many times you lose incentives and rebates by taking that type of financing, essentially paying more in the end. Read about how to increase your negotiating power when buying a car.

Whether you end up financing your auto loan with us or another lender, we still want to make sure you get the best deal. Our goal is to help you achieve your best financial life!

0% isn’t always the best deal.

0% may sound enticing, but it isn’t always the best deal. Many times the dealership will not allow you to take any rebates or incentives on the price of the vehicle because you’re taking preferred financing. Always ask what the final price of the vehicle is AND the interest rate. Monthly payments will be the least of your worries if you end up paying thousands more in the end. Take a look at the comparison chart below to see how the price of the vehicle is actually more important than the interest rate.


Warranty services from a leading industry partner.

We combine our strength with IWS, a leading nationwide provider of credit union Vehicle Service Agreement programs. This partnership 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.

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.

GAP coverage at an affordable price.

If your vehicle is stolen or totaled in an accident, GAP will help make up the difference between the insurance settlement and what you may still owe on your loan. GAP helps you prepare for the unexpected.

Let’s say you bought a new car for $20,000. You made a $2,000 down payment, so you financed $18,000. Two months later, you get into an accident and your car is totaled. Now, your car is valued by your insurance company at only $15,000. In those two months, you’ve made two car payments of $450 each—and you haven’t made much of a dent in your principal. Now you owe a lot of money on a car that doesn’t exist anymore. That’s where GAP coverage kicks in, helping you to avoid paying out of pocket for a car that’s been destroyed.

Get discount insurance through Liberty Mutual.

Being a member of Money Credit Union comes with some exclusive perks, like discount auto and home insurance through Liberty Mutual. You can get a free, no-obligation quote from our representative Cindy Payne.

Check with us before closing the deal.

If you got approved for financing at the dealer, let us know! We might be able to match or beat the rate you were offered. Call (315) 671-4000 or chat with us to let us know what you were approved for to see if we can beat it!

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