Auto Loans


Put yourself in the driver’s seat.

If you are buying a car, truck, SUV, or van,the low rates and flexible terms at HVFCU help to keep your payments low and affordable. Whether you apply at a branch or online, you’ll have an answer in two days—and your key in the ignition before you know it.

Featured Rates

New Vehicle 2.49%
fixed APR as low as
Used Vehicle 2.49%
fixed APR as low as

New and Used Vehicle Loans

  • Easy point-of-sale financing at dealers in our partner network.
  • Quick, paperless online application available— Mail or bring your binder and purchase agreement into any branch to finalize your loan.
  • 30-day approval lock for easy, confident shopping.
  • Financing up to 130% of MSRP for new vehicles and up to 130% of NADA book value for used vehicles.1
  • Competitive fixed rates.
  • Terms up to 7 years on new and used vehicles to keep monthly payments low.1
  • Convenient payment options; automatic deduction with AutoPay; transfer via phone, ATM, or Internet Banking; or by check or cash in person or through the mail.

Rate Discount with AutoPay

Arrange to have your loan payment automatically deducted from your savings, checking, or money market account and HVFCU will lower the interest rate on your loan by .25%!2 In addition to saving money, you’ll never have to worry about being late with a payment, and it will help keep your credit history strong.

Refinances Welcome!

Refinancing your loan from another lender could save you hundreds of dollars in interest or lower your monthly payments. Talk to us to compare financing. Stop by any branch or call us at 845.463.3011 / 800.468.3011.

Insurance Protection

Financing Forms

  • Vehicle Information Refinance – Use when the registered and titled owner(s) of the vehicle remain the same upon refinancing from another institution.
  • Private Purchase Agreement – Use when purchasing a vehicle from a private individual as opposed to a car dealership.
  • Lien Request Letter – Mail with a payoff check to the current lien holder(s); this informs them to send the lien release and/or title to HVFCU.

Important Notice for Buyers Trading in Used Cars

If you trade in a used car on which you still owe money, make the dealer put in writing that he will pay off your car loan in 10 days or NO DEAL. Without contractual proof, some unscrupulous dealers legally delay paying off these loans (in some cases indefinitely). In addition to making payments on your new loan, you must continue making payments on your previous loan until it is satisfied by the dealer (since the loan is in your name)—or risk going into arrears and ruining your credit. Most dealers are reputable, but to be safe, always include clear payoff terms in your contract and follow up with the lien holder to ensure the dealer has complied. If a dealer refuses to include this, be ready to leave immediately and take your business to a reputable dealer.

1 As an example, an 84-month new auto loan with a fixed rate of 6.14% APR would result in a payment of $14.68 for each $1,000 financed. Your rate may increase if variable.

2 Rates that are discounted by .25% include a requirement that loan payments are automatically transferred from your savings, checking, or money market account for the life of the loan. The monthly payment is not decreased as a result of this discounted rate. The discounted rate only applies to new loans and newly refinanced loans from another lender.

© 2015 Hudson Valley Federal Credit Union

159 Barnegat Rd. Poughkeepsie, NY 12601
ph: 845.463.3011 / 800.468.3011

Routing Number : 221979363
HVFCU Prepaid Visa Routing Number: click here

Unauthorized Access Warning – Access to Internet Banking is restricted to authorized HVFCU members only.