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*All promotions are subject to credit approval and may not be combined with other offers. Terms and conditions apply. Offer valid only at the North Greenbush branch. Annual Percentage Rate. Competitive Fixed Rates. Financing up to 125% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration, and warranty for model years 2005-2026. Easy Drive Lease-Like Program is ineligible for the interest rate discount. For terms 72 months or greater, the minimum loan amount of $20,000. APR offered is subject to change and all loans are subject to approval. A 0.5% APR discount is available on auto loans for electric and hybrid cars. The actual rate may vary. The monthly payment amount shown is calculated per $1,000 and is based on a 30-day month. Does not apply to existing First New York loans. **96 Month term ONLY available on NEW Automobile Model Years 2024-2026. ***Interest will begin and continue to accrue from the date of loan disbursal and become due once payment begins. ****Minimum loan amount eligible for cash back offer is $7,500 and actual amount of cash back will be determined by final amount financed. Does not apply to existing First New York loans. Cannot be combined with any other offers. Offer valid during promotional period only. All cash back offers will be reported as dividends. †Loan Center is available Monday-Friday from 8 a.m. until 6 p.m. and on Saturday from 9 a.m. until 1 p.m.