Auto Loan Sale

From July 1, 2026 through August 31, 2026, all Auto Loans are up to 1.25% APR off!

Don’t waste time searching “car loan near me.” Save yourself time and money with Amherst FCU. Get 1.00% APR off your qualifying auto loan rate just by applying during this sale, and get an additional 0.25% APR off by setting up direct deposit and a recurring automatic loan transfer.*

New and existing members can finance new and used cars purchased from a dealership or private seller, refinance existing auto loans held elsewhere, or even buy out their lease with financing from Amherst Federal Credit Union.

Give us a call at 716-634-3881 for a potential rate and payment quote, or apply now and get pre-approved today.***

It is our policy to that we can only lend as much as a vehicle is worth. That means the loan amount cannot exceed the value of the vehicle you’re financing, referenced against a reputable source such as Kelley Blue Book. This ensures you don’t end up overpaying for a vehicle, and will help keep the value of the loan and vehicle balanced in the event insurance needs to pay out a total loss.

Viewing this page after the promotional period has ended?

Become a member (and owner) by completing a brief membership form at the Amherst FCU office, 6470 Main Street, Suite 5, Amherst NY 14221. All you need is your photo ID & $6.00! Be sure to provide your most recent pay stubs to accompany your loan application. APR represents Annual Percentage Rate. Amherst FCU membership required to process application. All applications are subject to approval. Interest rates are based on loan term and credit qualifications. Promotion valid through August 31, 2026. Please call AFCU at 716-634-3881 for details.

*Eligible borrowers may receive a 0.25% Annual Percentage Rate (APR) reduction on qualifying auto loans when a recurring direct deposit is established into a credit union deposit account and a corresponding automatic loan payment transfer from that account is established and maintained. Both the recurring direct deposit and automatic loan payment transfer must be established no later than the due date of the second scheduled loan payment.
If the required recurring direct deposit and automatic loan payment transfer are not established by the due date of the second scheduled loan payment, or if either requirement is discontinued, suspended, or otherwise lapses for more than thirty (30) consecutive days at any time during the term of the loan, the loan APR will increase by 0.25%, effective as provided in the loan agreement and related disclosures. The increased APR will apply to the remaining unpaid principal balance for the remainder of the loan term.
The exact effective date of the change in APR is determined to be the first business day of the month occurring after the 30th consecutive lapsed day. Borrowers must note that the amount of their regular payment will change as a result of the rate adjustment. Borrowers will be notified of their updated loan terms including rate and payment amount. The note rate may increase only once by exactly 0.25% APR. If and when the APR Direct Deposit Reduction Offer has been made void, the discount cannot be re-established.
Borrowers receiving this promotional APR reduction will be required to sign a Post Loan Transaction Agreement and related disclosures at loan closing acknowledging the conditions of the promotion and the circumstances under which the APR may increase. If the Post Loan Transaction Agreement is enacted, the borrower will be mailed a copy of the completed and enacted form via USPS to the address on file. Other terms, conditions, restrictions, and underwriting requirements may apply. Offer subject to change or cancellation without notice.

**Interest rates are based on loan term and credit qualifications. The advertised ‘as low as’ rate reflects a two (2) year term with A+ paper (TransUnion score of 720+).

***Same day approval and same day loan processing are possible at the discretion of our lending department. The application can be completed online or in person, and you can typically expect to hear back from one of our loan officers with a response within 1 business day if approved. As a result, “same day loans” may be possible at times, though it cannot be guaranteed. The timing of the loan process is largely dependent on our loan officers’ availability, as well as the applicant’s ability to produce key documents in a timely fashion.