Auto Loans
View our Promotions Page for the lowest rates available!
Search For Your Next Vehicle Right Through Our Website!
CARCOMMANDER offers a whole new virtual car-shopping experience! Browse vehicles at nearby dealerships, utilize loan calculators, and more all in one place!
We Make it Easy to Refinance Your New Vehicle!
At Niagara Regional Federal Credit Union, we can help steer you in the right direction when looking for a new or used vehicle loan. Our advisors will help you explore all your options and once you choose a vehicle, we will help get you a loan that fits your budget. Whether you’re looking for a car, truck, SUV or motorcycle, we have the interest rates you deserve that are often lower than traditional banks.
Refinance Your Vehicle
When you refinance with Niagara Regional Federal Credit Union it’s as easy as 1, 2, 3! Save money on a vehicle you already own by bringing your loan over to us. If you’re ready to lower your payment and get a better deal on your auto loan, stop in and complete our quick and easy application process today!
Looking for more information on vehicle loans? Give us a call today and speak with a member service representative. Don’t forget to ask about special seasonal loan discounts and rates!
Online Auto Loan Applications Available
Auto Loans
ALL RATES ARE ACCURATE AND EFFECTIVE 11/1/2023
Our normal rates are listed below. But be sure to check out our Promotions page for our latest offers on Auto Loans!
| Type | APR* as low as |
|---|---|
| New Car (not registered) | 5.74%* |
| Used Car | 6.24%* |
The credit union may offer other rates and terms or amend the rates and terms contained in this schedule at any time. Creditworthiness factors, and other loan terms may affect the actual rate offered. Other conditions may apply. Contact the credit union for complete details. All rates listed are APR (Annual Percentage Rate)
*Rate includes direct deposit discount of 0.25%
What Do I Need for an Auto Loan Application?
If you’re buying from a dealer…
Proof of income – paystub (2), W-2, or complete income tax return from prior year
Invoice/Bill of Sale
Insurance Binder listing NRFCU as loss payee, effective day of loan signing: (fax to Erie Ave: 716-694-6066 or Amherst: 716-389-0694) Niagara Regional FCU 1285 Erie Avenue North Tonawanda, NY 14120
$12.00 for lien processing
If you’re buying out a lease…
Proof of income – paystub (2), W-2, or complete income tax return from prior year
10 day payoff, including daily per diem amount – faxed to Credit Union
Address to mail payment
Copy of title – if none, then member will be required to take lien release and title work from leasing company to DMV to request a duplicate title, providing a copy to NRFCU when issued.
Insurance Binder listing NRFCU as loss payee, effective day of loan signing: (fax to Erie Ave: 716-694-6066 or Amherst: 716-389-0694) Niagara Regional FCU 1285 Erie Avenue North Tonawanda, NY 14120
$12.00 for lien processing
if you’re refinancing from another lender…
Proof of income – paystub (2), W-2, or complete income tax return from prior year
10 day payoff, including daily per diem amount – faxed to Credit Union
Account Statement or other document showing account number of loan to be paid off
Insurance Binder listing NRFCU as loss payee, effective day of loan signing: (fax to Erie Ave: 716-694-6066 or Amherst: 716-389-0694) Niagara Regional FCU 1285 Erie Avenue North Tonawanda, NY 14120
$12.00 for lien processing
Copy of Title
If you’re buying via private sale…
Proof of income – paystub (2), W-2, or complete income tax return from prior year
Bill of Sale from person selling vehicle
Insurance Binder listing NRFCU as loss payee, effective day of loan signing: (fax to Erie Ave: 716-694-6066 or Amherst: 716-389-0694) Niagara Regional FCU 1285 Erie Avenue North Tonawanda, NY 14120
Copy of Title
Lien Release (if listed on title)
$12.00 for lien processing