Auto Loans
Auto Loans
Drive Away With Savings!
Best in-class service, highly competitive rates, flexible terms, and people who care about your success. Shop First New York’s new and used auto loans or auto refinancing today!
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New & Used Auto Loans
First New York makes car buying easy. Enjoy highly competitive auto loan rates, a quick and easy application, and expert guidance from our local team. Discover why we’re the smart choice for auto financing.
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Auto Refinance
First New York is your one-stop shop for auto loans and refinancing. Our auto refinance has saved our members hundreds to thousands over the life of their loan.
Don’t miss out on these savings — after all, we do have some of the best rates in the Capital Region. Calculate your new monthly auto payment, and receive exclusive benefits today!
• Auto loan rates as low as 3.99% APR*
• Up to $150**** cash back when you refinance
• Defer your first payment up to 120 Days***
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Easy Drive Lease-Like Program
Easy Drive is First New York’s Lease-Like Program where you can secure better financing compared to a traditional dealership. Plus, we let you own the vehicle and enjoy additional benefits like mileage options, no down payment, no security deposit, and more! Put yourself in the driver’s seat with Easy Drive today.
| Features | First New York | Dealerships |
|---|---|---|
| You Own The Vehicle | ✓ | - |
| No Down Payment Required | ✓ | - |
| No Security Deposit Required | ✓ | - |
| No First & Last Payments Required | ✓ | - |
| Mileage Options | ✓ | - |
| No "Back End" Surprises | ✓ | - |
| No Early Payoff Penalty | ✓ | - |
| Local Return Option | ✓ | - |
| Private Auto Insurance Flexibility | ✓ | - |
| Realistic Residual Value | ✓ | - |
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Lease Buyouts
Are you near the end of your lease term? Learn more about lease buyouts and the top five benefits from one of our Loan Experts!
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Defensive Driving Courses
Smart Drivers Save! Take the NYS-approved Internet Point & Insurance Reduction Program (IPIRP) course to reduce up to four points from your driving record and save 10% on your car insurance for three years. You can take the course every 18 months for a point reduction or every three years to renew your insurance discount.
• $25 was $48.95
• New York State DMV approved
• 10% insurance reduction for 3 years
• Up to 4 points off your license
• 100% online – no final exam
• Certificate and electronic reporting to DMV included
Get Started!
Rev Up Your Savings with Our Auto Refinance Calculator!
Our Auto Refinance Calculator is here to assist you in hitting your budgeting goal.
Protect Your New Ride
Auto Insurance
Auto Insurance
In partnership with TruStage™, we offer comprehensive coverage options that are tailored to your budget and needs!
Benefits:
• Customized Coverage
• 24 Hour Claims Assistant
• Cost Saving Options
• Accident Forgiveness
• And More!
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Gap Insurance
Gap Insurance
If you purchase a new car, you may want gap insurance to protect yourself financially. Learn what gap insurance is and how it can protect you in the long run.
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Extended Warranties
Extended Warranties
Did you know that First New York offers extended warranties? Learn the most important things to know and how you can get covered.
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