New & Used Auto Loans

Auto Loans

Oswego County FCU offers new and used vehicle financing. Terms are available for up to 72 months at great low rates. Vehicles that can be financed include cars, vans, light trucks, boats, and recreational vehicles.

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Used Auto
Our rates on loans will be based on a member's credit score, so better the score the lower the interest rate. Used Auto loans can be as low as 2.25% APR* for up to 36 months (longer terms with slightly higher rates are available)

New Auto
New Auto loans can be as low as 1.75% APR* for up to 36 months (longer terms with slightly higher rates are available)

Please contact us if you are interested in refinancing the vehicle loan you currently have with another financial institution.

Recreational Vehicles
Up to 48-month repayment can be as low as 6.25% APR*
Up to 120-month repayment can be as low as 7.25% APR*

Calculate Your Loan Payments


*Annual Percentage Rate

All loans are subject to credit approval. Your loan rate will be determined by the loan term and your credit history.

Monthly loan amount example:
a $20,000 loan for 72 months at 1.74 APR will have a monthly payment of $292.84