Auto/Vehicle Loans

Shift Low Loan Rates into Drive!

With auto loan rates this low, you can save big on your monthly payments. Applying online is easy. Begin your online application by clicking or tapping on the button below. You can also visit us at one of our locations or call 716.854.2458.

Affordable Auto Loans & Auto Refinancing Options

Auto Loans

Finance your new or used car purchase or refinance an existing higher-interest vehicle loan to lower your monthly payments. Apply for your loan before you shop, and make your best deal with cash in hand. Choose from flexible terms ranging from 60 to 84 months to finance:

  • New vehicles (up to 1 year old)—up to 100% of the purchase price
  • Used vehicles (2-7 years old)—full NADA Book Value.
  • Classic cars (20 years or older)—call for details.

With your Empire ONE auto loan, you can also select Extended Warranty, Temporary Disability & Life Insurance or GAP Coverage.

Apply online
Loan calculators
Current rates

You can now pay your loan from another financial institution. Loan Pay