Consumer Loans

We offer low rates and competitive terms on loans for new and used auto loans, recreational vehicle loans, personal loans 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.

Vehicle & Motorcycle 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 and motorcycles. Click here for online or printable applications.

Second Chance Auto Loans

Transfer your vehicle loan from any other lender to take advantage of our low rates. This is especially attractive during our Car Loan Sales, offered four or five times a year, featuring extra low rates and special bonuses.

Enterprise Car Sales

Our partner, Enterprise Car Sales, offers premium used cars with new vehicle-type warranties. Enterprise has specials for Credit Union members several times a year. With their no haggle policy, you are sure to get a great deal with a car from Enterprise and a loan from your credit union.

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. Click here for online or printable 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 here. All applications subject to approval.