Consumer Loans
Low rates and competitive terms for new and used auto, recreational vehicle, personal, and share secured loans
There are no application fees! Please call the credit union at (716) 634-3881 if you have any questions about our loan products.
View Loan Promotions
New & Used Auto Loans
Searching for just the right vehicle can be extremely time consuming. Don’t waste additional time searching for a place to finance your loan. Our rates are competitive and we can often match or beat most dealers’ rates. The loan application process is quick and convenient, and the service you’ll receive is friendly and efficient. We finance both new and used vehicles.
Motorcycle Loans
New and used motorcycle loans work just like new and used auto loans, and they come with the same competitive rates and terms.
Lease Buyouts and Refinancing Auto Loans
Transfer your vehicle loan from any other lender to take advantage of our low rates. This is especially attractive during our Auto Loan Sales, typically offered multiple times a year, featuring rate discounts and special bonuses on top of our already competitive loan terms.
Recreational Vehicle Loans
The credit union also offers financing for boats, RVs, travel trailers, jet skis, and snowmobiles at competitive rates. Let us help you finance your dream vehicle!
Personal Loans
Personal Loans are available to qualified members for any worthwhile purpose in any amount from $500 to $12,000. Use this kind of loan for a wide variety of expenses such as home improvement, medical or legal expenses, education expenses, debt consolidation or taxes. View Forms and Applications.
Debt Consolidation Loans
Debt Consolidation Loans are available as either a Visa credit card balance transfer, a signature loan, or a home equity fixed-rate loan. Make an appointment with one of our staff members for assistance with the management of your current debts.
Share Secured Loans
Use this low-rate loan to obtain a loan while still keeping your savings account intact. Use your shares or term share certificate to secure your loan.
Other Secured Loans
Loans may be secured by offering other insured, independently appraised, personal property or investments such as stocks, bonds or certified shares in a mutual fund. Call our office to ask for details.
Thank a Vet Discount Program
AFCU participates in the Thank a Vet discount program through the Erie County Clerk’s Office. AFCU offers ½% discount off of the applicant’s qualifying rate for any personal loan or new/used auto loan held elsewhere. The program-issued photo I.D. card must be presented. For more information please visit the Thank a Vet program website. All applications subject to approval.