We're driven to keep your monthly payments as low as possible.
Our innovative DrivingSense program keeps financing costs under control. Part of the equation is lower auto loan rates that help reduce your overall interest payments.
New = current or next model year, or prior year untitled and unregistered with no miles (through March 2024). Some restrictions apply.
Effective Date: September 22, 2023
| Terms | APR* |
|---|---|
| up to 36 mo | 6.24% |
| 37-48 mo | 6.49% |
| 49-66 mo | 6.74% |
| 67-75 mo | 6.99% |
| 76-84 mo | 7.49% |
Loan Payment Example: A $30,000 loan at 6.74% APR would have 66 monthly payments of $541.78 each month.
Used = 2018 & newer, or previously titled and registered. Some restrictions apply.
Effective Date: September 22, 2023
| Terms | APR* |
|---|---|
| up to 36 mo | 6.74% |
| 37-48 mo | 6.99% |
| 49-66 mo | 7.24% |
| 67-75 mo | 7.49% |
| 76-84 mo | 7.99% |
Loan Payment Example: A $30,000 loan at 7.24% APR would have 66 monthly payments of $548.90 each month.
New = current or next model year, or prior year untitled and unregistered with no miles (through March 2024). Some restrictions apply.
Effective Date: September 22, 2023
| Terms | APR* |
|---|---|
| up to 36 mo | 7.24% |
| 37-48 mo | 7.74% |
| 49-66 mo | 7.99% |
| 67-75 mo | 8.74% |
| 76-84 mo | 8.99% |
| 85-144 mo | 10.99% |
| 145-180 mo | 11.74% |
Loan Payment Example: A $30,000 loan at 7.99% APR would have 66 monthly payments of $559.68 each month.
Used = 2018 & newer, or previously titled and registered. Some restrictions apply.
Effective Date: September 22, 2023
| Terms | APR* |
|---|---|
| up to 36 mo | 7.74% |
| 37-48 mo | 8.24% |
| 49-66 mo | 8.49% |
| 67-75 mo | 9.24% |
| 76-84 mo | 9.49% |
| 85-144 mo | 11.49% |
| 145-180 mo | 12.24% |
Loan Payment Example: A $30,000 loan at 8.49% APR would have 66 monthly payments of $566.93 each month.
Older = 2015-2017
Effective Date: September 22, 2023
| Terms | APR* |
|---|---|
| up to 36 mo | 7.74% |
| 37-48 mo | 8.24% |
| 49-66 mo | 8.49% |
Loan Payment Example: A $30,000 loan at 8.49% APR would have 66 monthly payments of $566.93 each month.
New = current or next model year, or prior year untitled and unregistered with no miles (through March 2024). Some restrictions apply.
Effective Date: September 22, 2023
| Terms | APR* |
|---|---|
| up to 36 mo | 5.74% |
| 37-48 mo | 5.99% |
| 49-66 mo | 6.24% |
| 67-75 mo | 6.49% |
| 76-84 mo | 6.99% |
Loan Payment Example: A $30,000 loan at 6.24% APR would have 66 monthly payments of $534.72 each month.
Used = 2018 & newer, or previously titled and registered. Some restrictions apply.
Effective Date: September 22, 2023
| Terms | APR* |
|---|---|
| up to 36 mo | 6.24% |
| 37-48 mo | 6.49% |
| 49-66 mo | 6.74% |
| 67-75 mo | 6.99% |
| 76-84 mo | 7.49% |
Loan Payment Example: A $30,000 loan at 6.74% APR would have 66 monthly payments of $541.78 each month.
Effective Date: May 31, 2023
| Term | APR* |
|---|---|
| up to 24 mo | 6.99% |
| 25-36 mo | 7.49% |
| 37-48 mo | 8.24% |
| 49-60 mo | 8.49% |
Loan Payment Example: A $2,500 loan at 6.99% APR would have 24 monthly payments of $111.95 each month.
Empower Federal Credit Union is a full-service financial institution serving members throughout New York State.
Empowering you to make the best financial decisions.
Explore valuable tools and education to support your unique financial journey.
2To receive advertised rate, member must disclose intention to purchase electric vehicle at time of loan application. Rates published on website include discount of 0.50% APR off new vehicle or used vehicle rates and personal loan rates.