This is what you want in your next car or truck loan

Rate Lock

Get pre-approved and lock your rate for 45 days. Take that time to shop around and find the car you love. Then, your rate is fixed for the life of your loan.

Flexible Terms

Pick your term – anywhere from 1 to 84 months. The flexibility you need to get the payment you want.
 

Rate Discounts

Go ahead – knock 0.25% off your interest rate. It’s yours just for setting up autopay on your loan from your MHV account.
 

No Pre-payment Penalty

Why punish over-achievers? There are no penalties or fees if you pay your loan off early.

Already know what you need to do today?


I'd like to SEARCH local inventory


I'm ready to APPLY for my loan


I want to REFINANCE my car loan


I'm still RESEARCHING my options

Your Car Loan Rates as low as

New Vehicle
Up to 36 Months

5.24%

APR*
Used Vehicle
Up to 60 Months

6.14%

APR*
Refinance
Up to 60 Months

6.14%

APR*
RV / Boat / ATV
Up to 36 Months

6.64%

APR*
 
View More Rates & Terms

*Rates effective 5/2/2023. Click the button above for additional rates, terms and conditions.

Your auto loan in 4 simple steps

Step 1: Do Your Research

Viewing eBook

Drive Away Happy

Download our free guide, “Drive Away Happy”, to discover what to consider when buying a new or used vehicle. We’ll guide you through everything you need to consider so you can feel confident when heading to the dealership.

Get Your Guide
Reading Switch Kit

Should You Buy a New or Used Car?

If you are trying to decide whether to buy a new or a used car or truck, our video explains the pros and cons of each and how to determine if a new or used car is right for you.

Watch Now
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Top Car Buying Tips

From when to buy a car to figuring out if pre-approval matters, tune in for top car-buying tips.

Listen Now
Woman Reading Article

Top 5 Car Buying Mistakes

It is so easy to get wrapped up in the excitement of buying a new car or truck, but there are common car buying mistakes that can make the experience difficult

Read the Article

Step 2: Estimate Your Monthly Car Loan Payment

Step 3: You're Ready to Apply

Apply Now

Your application will take about 10 minutes to complete

Protect Your Loan – And Your Wallet

Payment Protection

This optional protection covers your loan payment in the event you experience a qualified life event. Things like unemployment, disability, and loss of life may be included. Neither you nor your family will have to worry about making payments. You can estimate the cost of this protection with this calculator.

Guaranteed Asset Protection (GAP)

What happens if you total your car? Or it’s stolen? Sure you have insurance. But…what if the insurance payout doesn’t cover the remaining balance on your loan? GAP helps you avoid having to pay that amount. Get more information about GAP here.

Step 4: Shop for Your Next Car

Research, compare, and shop local dealers directly without leaving home. AutoSmart connects you with all the resources you need for safe and efficient car shopping.

Search Inventory

Customize & Build

Trade-In

Get Financing

See what the Mid-Hudson Valley has to say About us

MHV is very accommodating. I didn't have the greatest credit and MHV gave me my first car loan. This helped to raise my credit significantly and give me my first car!

Nastasja B.

I love my MHVFCU Branch. One of the last real hometown type banks. Everyone is always friendly and genuinely helpful. I’m always treated like a welcomed person. Loan prices are great too. Today I was helped by a teller named Will who time and time again has gone out of his way to insure everything was taken care of completely and in a courteous manner. I really appreciate things like this. It’s nice to have places where this type of treatment is still the norm. Look into their credit cards too. The rates are really good.

Deb D.

Frequently Asked Questions
 

STILL HAVE MORE QUESTIONS?



*MEMBER’S CHOICE™ Borrower Security is a debt protection product offered by Mid-Hudson Valley Federal Credit Union. Enrollment in this debt protection product is voluntary and not required to obtain a loan. Please contact us for additional information on benefit maximums, eligibility, and limitations. DPGAP-0709-45A3