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 cars and trucks.

 

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%

Apply Now

-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?
  • Help! One minute I was just looking at a car, the next I had signed paperwork.  I don’t even know what my rate is!

We offer the same great rates (above) and no refinance fees!

Apply Now

-or-

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


 

Documents

Once you find your perfect car or are ready to refinance, simply provide us with the following:

  • Purchase Order or Bill of Sale (Dealer will provide you or have them send to us)
  • Insurance Binder (Agent can send to us or provide us their information to contact)
  • Copy of Title (Private Sale or Refinance only)
  • Payoff Information: 10-day payoff, name, address and account # (Refinance only)

Fax to (716) 632-1383 or memberservice@westerndivision.org