Cut your Auto Loan Interest in Half!

We're serious! Refinance an existing auto loan held by another lender, at half your current interest rate!

Fill out this short form and we will work to get you on the road in no time!


Alternatives Federal Credit Union (AFCU) is offering the competitive Auto Loan financing—with rates at low as 3.0% APR!*

We offer competitive financing, a variety of terms to keep your payments low, and local approval to get you on the road fast. If you are looking to save money on your current loan, refinance with AFCU for a potentially lower rate. Even if you have less-than-stellar credit, we can help!

Fill out the form to learn more

Alternatives Federal Credit Union (AFCU) was voted the #1 Gold Winner Credit Union in the Finger Lakes region!


Perks of an Alternatives Federal Credit Union Auto Loan
  • Credit union membership required for auto loan application. Membership signup process is easy and convenient.
  • Financing for new, used, and older used vehicles
  • Competitive rates
  • Affordable payment plan
  • Apply to get pre-approved for better bargaining leverage
  • Refinance an existing auto loan held by another lender, at ½ your current rate
  • Local decision-making and processing
  • Experienced lenders to guide you
  • Detailed, attentive service from start to finish
  • Secured Loans: For a $10,000 loan for a term of 5 years with a 3.99% APR, the monthly payment will be $183.98
  • Older Secured Loans: For a $8000 loan for a term of 4 years with a 7.24% APR, the monthly payment will be $192.18

How much could you save if your rate was cut in half?

*APR = Annual Percentage Rate which is the annual rate of interest charged to borrowers over the term of a loan. All loans subject to approval. Minimum resulting interest for this program is 3.0% APR. Gap insurance required on all loan to values over 90%. Offer applies to the purchase or refinance of model years 2011 and newer. This offer cannot be combined with any other Credit Union rate incentive. This offer, program rates, terms, and conditions are subject to change without notice. Other fees and restrictions may apply. Federally Insured by NCUA.


Apply online today by filling out the form above or email us at for more details!

We’re here for you. We value every relationship and evaluate every financial situation on a case-by-case basis. Now, more than ever, we encourage you to reach out to us to explore financial options available to you.

Telephone: (607) 273-4611

Toll free: (877) 273-AFCU

Fax: (607) 277-6391



Get in touch

©2021 Alternatives Federal Credit Union.

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