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Car Loans

Affording A New Or Used Car

Whether you’re looking for a brand new car (or just new to you), a first-time truck, SUV, or a family minivan, we offer great rates, financing advice and loan pre-approval which gives you extra purchasing power before you head to the dealer.

Happy mother riding with her kids in the car

New Car
Dealing with dealers

Choosing your new car is fun, but paying for it can feel overwhelming. We’ll help to put you at ease and review everything from rates, to loan options, payment terms and more. Like great after-sale protection and loan insurance options. Know what you can afford with your loan pre-approval, and feel empowered at the dealership.

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Used Car 
Preparing for purchase

Whether you’re purchasing a used vehicle in a private sale or from a dealer, we have competitive, low interest rates to help you afford your ride. We'll review your options including which type of loan is best, current rates and what your payments will be. Once you’re qualified for a loan, pre-approval gives you negotiating power with payment in hand when it’s time to buy.

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Classic Car 
Driving a dream

We all have our own idea of a “classic” car. At First Source it’s categorized as anything 25 years older than the newest model year. If your dream car falls in that range, see how we can help you make it a reality with great interest rates and the right financing terms.

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Motorcycle Loan 
Ready to roll

If you’re looking to buy a new or used motorcycle, we offer a motorcycle loan with lower, fixed-interest rates to make it more affordable. Once you know the bike you want, we can work with you on the financing details, including down payment options, loan terms, and protection & loan insurance.

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Car Loan Refinancing
Lowering your payments

Not sure if it’s the right time to refinance your vehicle? Whether your original loan is with us or another lender, we can help you determine if refinancing at current rates can lower your monthly payments and save you in the long run. We’re happy to have a free consultation with you.

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Need To Repair Your Current Vehicle? 
Get the money you need

Putting off simple repairs can become costly, don't wait to get the fixes you need. Affording car repairs with a personal loan can be a great way to keep your ride running smooth for years to come.

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Live Smarter

Ready to start shopping for a better car? Start the application process below.


If you’re not ready to apply for a car loan, and have questions, we are here to help. Call 315-735-8571 to talk about your options or make an appointment with one of our friendly and knowledgeable representatives today.

Let’s Get Started

We look forward to helping you.

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Protect Your Investment

Mechanical Breakdown Protection

Mechanical Breakdown Protection covers mechanical breakdowns above the original manufacturer's warranty. This helps ensure that your vehicle investment is protected, and reduces the possibility of out-of-pocket expenses during an unexpected mechanical failure.

Your benefits:

  • $0 deductible on all plans
  • Immediate coverage
  • Direct pay to repair facility
  • Emergency roadside service included
  • Rental car allowance
  • Battery coverage
  • Competitive rates
  • Cost can be included in your loan or purchased outside your loan
  • Fully transferable

Guaranteed Asset Protection

If your vehicle is totaled or stolen, your insurance settlement can be significantly less than the outstanding loan balance. GAP is designed to relieve you of the responsibility for the remainder of the loan balance that may not be covered. We’ll make up that difference.

Your benefits:

  • Low cost protection
  • Eliminates the out-of-pocket expense for the remaining loan balance after loss settlement
  • Auto Deductible Reimbursement (ADR) pays up to $500 per loss (limit of 2 losses per year) when claim is filed and paid with your primary insurance carrier
  • Helps you avoid financial hardship and afford a replacement vehicle
  • Prevents deficiency balance from being added to new loan
  • Helps protect credit rating
  • Learn more about GAP coverage and get a quote here.

*In order to purchase GAP, you must have an active loan with First Source Federal Credit Union on the asset to be covered.

What can you afford?

Try our auto loan calculator.

Auto Loan Comparison Calculator

Want a rough idea?

Check today’s auto loan rates effective March 28, 2023

Including Classics

Term APR
12 Month as low as 4.24%
24 Month as low as 4.24%
36 Month as low as 4.24%
48 Month as low as 4.24%
60 Month as low as 4.49%
72 Month as low as 4.49%
84 Month as low as 4.49%
96 Month as low as 5.99%
108 Month as low as 6.99%


Term APR
12 Month as low as 4.24%
24 Month as low as 4.24%
36 Month as low as 4.24%
48 Month as low as 4.24%
60 Month as low as 4.49%
72 Month as low as 4.49%
84 Month as low as 4.49%

2018 & Older
Excluding Classics

Term APR
12 Month as low as 5.49%
24 Month as low as 5.49%
36 Month as low as 5.49%
48 Month as low as 5.49%
60 Month as low as 5.74%
72 Month as low as 5.74%

Apply for an Auto Loan Now

Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Loan to value is determined by credit score.

Monthly payments for a 5 year new vehicle loan at 4.49% would be $18.64 per $1,000 borrowed.
Monthly payments for a 5 year used vehicle loan at 4.49% would be $18.64 per $1,000 borrowed.
Monthly payments for a 5 year older vehicle loan at 5.74% would be $19.22 per $1,000 borrowed.

Membership and credit requirements apply. Rates and terms determined by overall credit history and subject to change.