VEHICLE LOANS

Not yet a member? Membership with an NYUFCU share account is required for all loans. Check your eligibility and apply to become a member!   

AUTO LOAN

You can borrow for up to 6 years on new and used cars with fixed interest rates. Refinance available on vehicles up to 5 years old.
No prepayment penalties and flexible terms with financing of up to 100% of the purchase/existing loan balance. 
For new loans the application fee is $25. If you are refinancing, this fee is waived. 


*Conditions Apply.  

New Car Loan Rates - Newest Two Car Model Years Released

Credit Score Tier APR* By Term As Low As
Credit Score Tier UP TO 36 MONTHS 37-48 MONTHS 49-60 MONTHS 61-72 MONTHS
760 and over A+ 1.5% 2.5% 2.5% 3.5%
700-759 A 2.5% 3.5% 3.5% 4.5%
650-699 B 3.5% 4.5% 4.5% 5.5%
600-649 C 4.5% 5.5% 6.50% 7.5%
550-599 D 6.5% 7.5% N/A N/A

Used Car Loan Rates*

Credit Score Tier APR* By Term As Low As
Credit Score Tier UP TO 36 MONTHS 37-48 MONTHS 49-60 MONTHS 61-72 MONTHS
760 and over A+ 3.0% 4.0% 4.0% 5%
700-759 A 4.0% 5.0% 6.0% 7%
650-699 B 5.0% 6.0% 7.0% 8%
600-649 C 6.0% 7.0% 8% N/A
550-599 D 8.0% 9.0% N/A N/A
* Rates with automated payments. Rates for vehicle loans are subject to  change without notice. 5% of loan amount frozen in members share account. 
** We finance cars only in NY and NJ. Vehicle must be registered in NY or NJ. Purchase from online vehicle retailer is not permitted. An NYUFCU share account is required for auto loan account. Financing up to 100% of value available as indicated by NADA.
Add 0.25% to rate if vehicle has more than 75,000 miles
Add 1.00% to rate if vehicle is older than 4 years
Add 1.25% to rate if vehicle is both over 75,000 miles and 5 years through 10 years old. 
***  Refinancing not available on existing NYU FCU auto loans. Available only on last 5 years of car models.

MOTORCYCLE LOANS

80% of purchase price. Contact Member Services Representative at 212-995-3171 and ask for details.

Not yet member? Membership with an NYUFCU share account is required for all loans. Check your eligibility and apply to become a member today

Motorcycle Loan Rates (Up to 4 years old)

Credit Score Tier Margin APR* By Term As Low As
Credit Score Tier Margin UP TO 36 MONTHS 37-48 MONTHS 49-60 MONTHS
760 and over A+ -1% 3.00% 4.00% 5.00%
700-759 A 0% 4.00% 5.00% 6.00%
650-699 B 2% 6.00% 7.00% 6.5%
600-649 C 3% 7.00% 8.00% N/A
550-599 D 5% 9.00% 10.00% N/A
*All rates are annual percentage rates and are accurate as of date of publication. All loans subject to credit approval. Rates and terms are subject to change without notice. Other conditions and terms may apply; ask for details. Contact Member Services Representative at 212-995-3171 and ask for details. * Conditions Apply. Not yet member? Membership with a NYUFCU share account is required for all loans. Check your eligibility and apply to become a member today!