Drive Away With Savings!
- Auto rates as low as 3.99% APR*
- Up to $150 cash back when you refinance**
- Defer your first payment up to 120 Days***
- New and used, lease-like, and refinancing options are available
- Payment protection available
- Get a monthly statement via mail or e-statement
Best-in-class service, highly competitive rates, flexible terms, and people who care about your success. Shop First New York’s new and used auto loans or auto refinancing today!
Explore Auto
Loans and refinancing options
When you’re in the market for a new car, your first step is to see First New York! With highly competitive rates, a fast, hassle-free application process, and a team of local loan experts, you’ll see why First New York is the credit union of choice for smart auto buyers!
Apply Now Shop Rates
First New York is your one-stop shop for auto loans and refinancing. Our auto refinance has saved members hundreds to thousands over the life of their loan.
Don’t miss out on these savings — after all, we do have some of the best rates in the NYS Capital Region. Calculate your new monthly auto payment, and receive exclusive benefits today!
- Auto rates as low as 3.99% APR*
- Up to $150**** cash back when you refinance
- Defer your first payment up to 120 Days***
Easy Drive is First New York’s Lease-Like Program where you can secure better financing compared to a traditional dealership. Plus, we let you own the vehicle and enjoy additional benefits like mileage options, no down payment, no security deposit, and more! Put yourself in the driver’s seat with Easy Drive today.
| Features | First New York | Dealerships |
|---|---|---|
| You Own The Vehicle | ✓ | – |
| No Down Payment Required | ✓ | – |
| No Security Deposit Required | ✓ | – |
| No First & Last Payments Required | ✓ | – |
| Mileage Options | ✓ | – |
| No “Back End” Surprises | ✓ | – |
| No Early Payoff Penalty | ✓ | – |
| Local Return Option | ✓ | – |
| Private Auto Insurance Flexibility | ✓ | – |
| Realistic Residual Value | ✓ | – |
Car Buying in Minutes
- Free CARFAX reports
- Search & price local inventory
- Find the right car in 3 steps
- Trade-In values
- Refinance your existing auto loan
- Save cars for future research
- True market value pricing
Shopping for your new car just got easier with our auto buying center. Find, drive, and save in minutes.
Shop Now Text a Loan Expert
Defensive Driving Courses:
Smart Drivers Save! Take the NYS-approved Internet Point & Insurance Reduction Program (IPIRP) course to reduce up to four points from your driving record and save 10% on your car insurance for three years. You can take the course every 18 months for a point reduction or every three years to renew your insurance discount.
- $25
was $48.95 - New York State DMV approved
- 10% insurance reduction for 3 years
- Up to 4 points off your license
- 100% online – no final exam
- Certificate and electronic reporting to DMV included
Auto Services
Additional Auto Coverage
Did you know that First New York offers extended warranties? Learn the most important things to know and how you can get covered.
Read More
If you purchase a new car, you may want gap insurance to protect yourself financially. Learn what gap insurance is and how it can protect you in the long run.
Read More
Payment protection insurance has some key benefits you’re not going to want to overlook. In the long run, having additional coverage could save you time and money.
Read Erika Carroll’s Q&A to find out if payment protection is right for you!
Read More
Are you near the end of your lease term? Learn the top five benefits of lease buyouts before your lease contract ends.
Read More*Annual Percentage Rate. Competitive Fixed Rates. Financing up to 125% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration, and warranty for model years 2018-2024. Never owned or previously titled. For terms 72 months or greater, the minimum loan amount of $20,000. APR offered is subject to change and all loans are subject to approval. A 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. A 0.5% APR discount is available on auto loans for hybrid cars. The actual rate may vary. The monthly payment amount shown is calculated per $1,000 and is based on a 30-day month.
**96 Month term ONLY available on NEW Automobile Model Years 2021-2024.
***Interest will begin and continue to accrue from the date of loan disbursal and become due once payment begins.
****Minimum loan amount eligible for cash back offer is $7,500 and actual amount of cash back will be determined by final amount financed. Does not apply to existing First New York loans. Cannot be combined with any other offers. Offer valid during promotional period only. All cash back offers will be reported as dividends.
†Loan Center is available Monday-Friday from 8 a.m. until 6 p.m. and on Saturday from 9 a.m. until 1 p.m.