Red Alert Please note: AmeriCU is dedicated to supporting those affected by the recent storms in Central New York. If you need assistance, please chat wtih a live virtual representative by clicking 'let's connect' at the bottom right of this page, visiting your nearest Financial Center, or calling 800.388.2000. Close

90 Day No Pay

No Auto Loan Payments for 90-Days!*

Connect with a traditional new or used auto loan, motorcycle loan, or try PaySaver, our lease-like alternative, and we’ll give you 90-Days with no payments! No action necessary – payment terms are automatically applied during the application process. Learn more about our loan options below.

Feature Image

Traditional Auto Loan

Let AmeriCU put you in the driver seat with a great rate and a smooth ride from application to closing.

Feature Image

Lease-Like Auto Loan

Our PaySaver Auto Loan offers payments that are considerably lower than conventional financing, but unlike a lease, you own the vehicle and have all of the flexibility and benefits of vehicle ownership!

Feature Image

Motorcycle Loans

Enjoy the ride with AmeriCU! Let us help finance the bike of your dreams, so you can focus on the open road.

Feature Image

Refinancing An Auto Loan

Could you stand to save a little extra each month on your auto loan? Consider refinancing your vehicle with us to a lower rate!

PaySaver Auto Loan

Connect with an Auto Loan from AmeriCU:

  • New and Used cars and trucks, all model years
  • Available debt protection
  • Loan terms based on credit score, amount financed, and model year
  • For a limited time, enjoy no payments for 90-days* on all auto and motorcycle loans! No action necessary – payment terms are automatically applied during the application process.
Motorcycle Loans from AmeriCU

Connect with a Motorcycle Loan from AmeriCU:

  • Minimum loan amounts of $5,000
  • Terms up to 84 months based on credit score, amount financed, and model year
  • Eligible for GAP Protection
  • For a limited time, enjoy no payments for 90-days* on all auto and motorcycle loans! No action necessary – payment terms are automatically applied during the application process.


View Disclosures and Current Rates
Auto Loan Pre-Approval

Get Pre-Approved

AmeriCU may be able to pre-approve you for your next vehicle, meaning you’ll be prepared to finance before you ever step into a dealership.

Auto Loan Resource Center

Not sure where to start? At AmeriCU, we are here to help you with every step of the auto buying process! Take advantage of our helpful tips, and there are some helpful calculators below to help you determine how much car you can afford, the value of your current ride, and more You can even take our short auto loans course to learn about financing options, fixed and variable interest rates, and monthly payment calculations.

Like we said, we’ll take care of the paperwork, and you worry about the test drive. AmeriCU representatives make the auto loan process as smooth as your next ride! From application to closing, in-person or over-the-phone, we’ve got you covered.

And have you considered an extended warranty? You should research extended warranties beyond the initial warranty offered by the manufacturer or car dealer to see if one fits your needs and budget. It may be beneficial to you in the long-run to have coverage.

Once you’re settled with your financing in hand, you’re set to head to the dealership and get your new set of keys! We hope you enjoy your new ride, and we’re glad that you chose AmeriCU to be part of this exciting experience. Be sure to keep us in mind for your next vehicle purchase or refinancing opportunity.

No Auto Loan Payments for 90-Days!*

Connect with a traditional new or used auto loan, motorcycle loan, or try PaySaver, our lease-like alternative, and we’ll give you three months with no payments! No Auto Loan Payments for 90-Days!* No action necessary – payment terms are automatically applied during the application process.

apply now
GAP Insurance

GAP Insurance

A vehicle’s value often declines much faster than a loan or lease balance. The difference between this value and the balance is the GAP.

GAP Benefits:

  • Gives you peace of mind by avoiding financial uncertainty after a traumatic loss
  • Allows for a “clean slate” when financing your next purchase
  • Protects your investment
  • The cost can be added to your loan

You may also be interested in

Feature Image

Auto Insurance

Are you properly protected in the event your vehicle is stolen, damaged in an accident or cause injury to the rider, passenger or another person?

Feature Image

Checking + Debit

AmeriCU offers a suite of checking products designed with your needs in mind, complete with an instantly issued debit card for immediate use.

Feature Image

Debt Protection

Life, Terminal illness, Accidental Dismemberment, Hospitalization, Family Medical Leave, Loss of Life of a Dependent, Disability, or Involuntary Unemployment Claim? We are here to help!

Let's Connect

Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!


Latest From AmeriCU

AmeriCU News

News

Jul 19, 2024

AmeriCU Credit Union introduces emergency relief loan options for individuals and businesses affected by the storm

AmeriCU Credit Union is committed to supporting our community in times of need.

Cicero Financial Center's Let's Connect Day

Events

Aug 02, 2024

Cicero Financial Center’s Let’s Connect Day

AmeriCU members and the community are encouraged to visit the credit union’s Cicero Financial Center to learn about all the different services AmeriCU provides, all in one place! Meet with the right teammates and get the answers you need.

401(k) Plans

Education

Jul 24, 2024

401(k) Plans

Saving money for retirement is one of the major financial milestones that everyone should carefully plan for in their lifetime.

*Applications subject to credit approval. Automatic payments required. Not valid on existing AmeriCU loans. Interest begins accruing on date loan is opened and will be amortized over the monthly payments. Programs, rates, terms and conditions subject to change without notice. Offer expires 7/31/24.