Don’t waste time searching “car loan near me.” Save yourself time and money by securing a great, low rate with Amherst FCU. From March 1st, 2026 through March 31st, 2026, all auto loan rates are 1.00% APR off!
This deal doesn’t just apply to dealer purchases. 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.
New Auto Loans
Used Auto Loans
Recreational Vehicle Loans
Clasic Car Loans
Contact our office 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 Kelly 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.
If you are viewing this page after the promotional period has ended, click here to view our current rates.
View Rates*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.
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 bring 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 March 31, 2026. Please call AFCU at 634-3881 for details.