Auto Loans

View our Promotions Page for the lowest rates available!


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 AS OF AUGUST 2024

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) 5.99%*
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) Niagara Regional FCU 1285 Erie Avenue North Tonawanda, NY 14120

  • $12.00 for lien processing

  • Buy from a Dealer - Checklist PDF

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) Niagara Regional FCU 1285 Erie Avenue North Tonawanda, NY 14120

  • $12.00 for lien processing

  • Lease Buyout - Checklist PDF

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) Niagara Regional FCU 1285 Erie Avenue North Tonawanda, NY 14120

  • $12.00 for lien processing

  • Copy of Title

  • Refinance from Another Lender - Checklist PDF

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) Niagara Regional FCU 1285 Erie Avenue North Tonawanda, NY 14120

  • Copy of Title

  • Lien Release (if listed on title)

  • $12.00 for lien processing

  • Private Sale - Checklist PDF