Vehicle & Truck Loans
We believe shopping and financing for your vehicle whether it’s your first car, your dream car or just a car to get around, should be fast and simple. That is why we offer the same great rates and terms for new, used , refinanced or lease buy-out (with no fees!) on cars and trucks.
Making a purchase? Call us first and get pre-approved for a better shopping experience.
Looking to Refinance? Call us and we will let you know how much you can save!
If you are looking for a Motorcycle Loan Click here.
If you are looking for a Recreational Loan Click here.
- Fixed Rate Loan
- Flexible terms up to 84 months
- Up to 110% financing available
- Convenient repayment options
- No application fee
- No refinance fees
- No prepayment penalty
- Pre-approvals for better negotiating
- Qualifies for a Patronage Dividend
- Eligible for Skip A Pay
- Military; First Responder; Graduate & First-time Discounts
- Insurance Options
Vehicle Rates
| Same Rate for new, used or lease buyout: Vehicles, Trucks, Classic Vehicles | |
|---|---|
| Terms | Rate / APR |
| Up to 24 Months | 3.99% / 3.99% |
| 25-36 Months | 5.99% / 5.99% |
| 37-54 Months | 6.24% / 6.24% |
| 55-66 Months | 6.49% / 6.49% |
| 67-78 Months | 6.74% / 6.74% |
| 79-84 Months | 6.99% / 6.99% |
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Text or Call Us – we take applications by phone during branch hours (716) 632-9328.
Refinance
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, 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.
We offer the same great rates (above) and no refinance fees!
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Call Us – we take applications by phone during branch hours (716) 632-9328.
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Complete this form…
Documents Required for Purchase
- Purchase Order or Bill of Sale (Dealer will provide you or have them send to us)
- Copy of Title (Private Sale only)
- Insurance Binder (Agent can send to us or provide us their information to contact)
Documents Required for Refinance
- Copy of Title
- Insurance Binder (Agent can send to us or provide us their information to contact)
- Payoff Information: 10-day payoff, name, address and account #
Documents Required for Lease Buy-Out
- Contact the ‘Financer’ (on your Lease Agreement) and they will instruct/provide the necessary documentation/instructions on how to proceed.
- Insurance Binder (Agent can send to us or provide us their information to contact)
Send Documents by:
Text: (716) 632-9328
Fax: (716) 632-1383
Email: memberservice@westerndivision.org
Mail or Drop off to a Branch Location
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.