vehicle Signature

Valentine’s Day may be right around the corner, but we want you to “break up” with your other financial institution where you have your Vehicle or Recreational loans.  Offer good through 2/28/19.

Isn’t it worth a few minutes to find out if we can save you money?  And if we can’t, we’ll let you know.  We always want to ensure our members have the best deal…even if they already have it.  But in most cases, we often find people were given a higher rate than they deserved at another financial institution or dealership. Let us help!

Why should I consider refinancing?

  • Is your current loan rate (from another dealer or financial institution) higher than ours?
  • Have you improved your credit score from when you made your original purchase?
  • Do you want to extend your loan term and/or lower your monthly payment?
  • Would you like to remove a joint applicant/co-signer that is on your loan?
  • Did you know you can “cash out” on the equity in your vehicle?
  • Help! One minute I was just looking at a car, the next I had signed paperwork.

Have you experienced these situations?

  • The dealer told you that you couldn’t refinance your loan.
  • The dealer fit you into a payment you wanted.
  • You don’t really know what your term or rate is (no need to find a statement, we can tell you).
  • Rates may have changed since you made your purchase.
  • You thought it would be a huge hassle or would result in fees so you haven’t done anything.

During the month of February, take advantage of these great rates when you refinance your loan from another financial institution.

Vehicle Rates

TermsRate / APR
Up to 36 Months2.99% / 2.99%
Up to 37-54 Months3.49% / 3.49%
Up to 55-66 Months3.99% / 3.99%
Up to 67-78 Months4.49% / 4.49%
Up to 79-84 Months5.99% / 5.99%

Recreational Rates

TermsRate / APR
Up to 36 Months4.99% / 4.99%
Up to 37-54 Months5.49% / 5.49%
Up to 55-66 Months5.99% / 5.99%
Up to 67-78 Months6.49% / 6.49%
Up to 79-180 Months8.49% / 8.49%

Apply Now


Call Us – we can let you know how much you can save (716) 632-9328.


Breaking Up is NOT hard to do, you just need the following:

  • Copy of Title
  • Insurance Binder (Agent can send to us or provide us their information to contact)

Fax to (716) 632-1383 or