Auto Loans from AmeriCU Credit Union | Easy to apply. Quick decisions.

Auto Loans

“It doesn’t matter the weather or the cost of gas. When he says go, we go! Luckily, AmeriCU is always there to connect where I am with wherever he wants to be. And when we both spot a shiny new toy? AmeriCU makes it easy to apply for a lease-like auto loan with lower monthly payments, online, in-person, or anywhere in between! That’s AmeriCU & A Smooth Ride… and an even smoother ride for this guy!”

-Joe and Babe Ruth, Utica, NY





Paysaver Auto Loan

A Low Payment Alternative to Leasing

How would you like the low monthly payments of a lease, without all the heavy restrictions and hidden costs of leasing? Sound impossible? It’s not. AmeriCU’s PaySaver Auto Loan program offers just that!

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

Want to see how low your auto loan monthly payment could be? Use our Paysaver Calculator now.

An Alternative to Leasing

An Alternative to Leasing

AmeriCU’s 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!

Refinancing a Vehicle

Refinancing a Vehicle

Could you save money each month by refinancing your vehicle loan? See how much you could save by refinancing your vehicle with AmeriCU!

You’re More than a Credit Score

You’re More than a Credit Score

AmeriCU can put you in the driver’s seat. Come talk to us!
Set up your appointment or apply online.

Auto Loans from AmeriCU

Whether you’re buying a brand new or new-to-you vehicle, AmeriCU has the right loan for you!

All model years.

View current auto loan rates.

Auto Loan Resource Center

  • Step 1: Getting Prepared

    AmeriCU Offers Pre-Approval

    AmeriCU may be able to pre-approve you for your next vehicle! Pre-Approval means we are prepared to finance your vehicle before you ever step into a dealership. While we may not able to pre-approve everyone, it does not mean we can’t help you find other options. Click here to see if you qualify for pre-approval.

    What Payment Works Best for You?

    Knowing what payment works best in your financial situation can be challenging, but it doesn’t need to be. We have provided tools to help you get prepared for your next vehicle purchase.

    Click here for calculators to compare monthly payment by term, or compare two vehicle loans.

  • Step 2: Financing

    Let us Handle the Paperwork

    Our online application makes it quick and easy to apply for an auto loan. If you would rather apply over the phone or in person we have got you covered there too. When you finance through AmeriCU, we take care of the paperwork, you do the test drive.

    Simply submit an application online, call 800.388.2000 or find a Financial Center.


    Research Extended warranties to see if it fits your needs and your budget. Keep in mind; depending on year of the vehicle, there may be a valid manufacturer’s warranty.

  • Step 3: Closing the Deal

    Now it’s time to enjoy your new vehicle! We are thrilled to have been a part of this exciting purchase and we hope you choose us again for your next purchase.

At AmeriCU, we are here to help you with every step of the auto buying process. We also offer a short auto loan course should you wish to learn more. This course covers the following information:

  • Financing options
  • Fixed and variable interest rates
  • Monthly payment calculations

Take our short auto loans course.

Insurance Coverage Available

More from AmeriCU

Auto Insurance

AmeriCU Insurance Services provides coverage on not only autos, but trucks, SUVs, snowmobiles, boats, RVs and ATVs. Learn more about vehicle insurance.

Happy african businessman using phone at cafe

Financial Wellness

You face important financial decisions every day. Give yourself the tools you need to be prepared! Learn more about financial wellness.


ACUshield Debt Protection

If your life takes an unexpected turn, your family’s finances can be strained. But optional Debt Protection may cancel or reduce your loan payments or balance in case of involuntary unemployment, disability or death. Learn more about ACUshield.

*APR = Annual Percentage Rate. Rates and terms are determined by each individual’s credit history, underwriting factors, and loan-to-value and are subject to change without notice. Applications are subject to credit approval. Membership eligibility is required. Equal Housing Lender. Insured by NCUA.

**AmeriCU Insurance Services is affiliated with AmeriCU Credit Union. The purchase of insurance from AmeriCU Insurance Services is not required to obtain credit or other services from AmeriCU Credit Union. Insurance products are not credit union deposits and are not NCUA insured, nor are they obligations of or guaranteed by AmeriCU.