Same Low Rates on New, Used, Refinanced or Lease Buyout !

Stop paying more than you have to!  Rates are at an all time low, so now is the perfect time to save money when you are making a purchase or when you want to refinance your loan from another financial institution.  No application fees & No refinancing fees!

Vehicle Rates

TermsRate / APR
Up to 24 Months1.99% / 1.99%
Up to 25-36 Months2.49% / 2.49%
Up to 37-54 Months2.99% / 2.99%
Up to 55-66 Months3.49% / 3.49%
Up to 67-78 Months3.99% / 3.99%
Up to 79-84 Months4.49% / 4.49%

Motorcycle Rates

TermsRate / APR
Up to 24 Months2.74% / 2.74%
Up to 25-36 Months3.24% / 3.24%
Up to 37-54 Months3.74% / 3.74%
Up to 55-66 Months4.24% / 4.24%
Up to 67-78 Months4.74% / 4.74%

Recreational Rates

TermsRate / APR
Up to 24 Months3.49% / 3.49%
Up to 25-36 Months3.99% / 3.99%
Up to 37-54 Months4.49% / 4.49%
Up to 55-66 Months4.99% / 4.99%
Up to 67-78 Months5.49% / 5.49%
Up to 79-180 Months5.99% / 5.99%

Home Equity Rates

Home of the Great Rate
TermsRate / APR
Up to 15 years3.25% / 3.25%

Apply Now 


Call Us – we take applications by phone during branch hours (716) 632-9328.


Complete this form…


Have you experienced these situations?

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

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.


Provide us with the following:

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

Text to (716) 632-9328 or Fax to (716) 632-1383 or

So Easy – We offer a delivery system to streamline your loan process. We can send the loan documents to you via email to sign electronically and return so you don’t even have to come into the branch.  It is so simple, once completed we can put the proceeds directly into your Western Division savings or checking account , mail a check or wire the funds for you.