Auto/Vehicle Loans

Conventional Auto Loans

Finance your new or used car purchase or refinance an existing higher-interest vehicle loan to lower your monthly payments. With the current state of interest rates, why wait? Apply for your loan before you shop, and make your best deal with cash in hand. Choose from flexible terms ranging from 24 to 84 months to finance.

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Payment Saver Program

Empire ONE is happy to announce the launch of a new hybrid option. The Payment Saver Program takes the best aspects of a conventional auto loan and lease, and combines them into one offering. Lower monthly payments like a lease, but the flexibility options that come with owning your vehicle through a conventional loan. Stop in at one of our branches or contact a loan officer today at 716-854-2458, option 4!   

All new cars, trucks, and SUV’s or up to five years are eligible under the Payment Saver Program

  • Three options available at end of term. Finance, trade-in, or simply walk away
  • Up to 115% financing on 24-72 months
  • Various annual mileage options
  • No early payoff penalty
  • No security deposit
payment saver program

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

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Current rates

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