A couple in their car

Auto Loans

"Every car loan that I have had with them has been easy and stress free" -Larry B.

Already know what you need to do today?


  • Rate lock

    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

    Flexible Terms

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

    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

    No Pre-Payment Penalty

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

Your car loan rates as low as

New Vehicle

Up to 36 Months

6.59% APR*

Used Vehicle

Up to 60 Months

7.04% APR*

RV / Boat / ATV

Up to 36 Months

7.25% APR*

View More Rates and Terms

*Rates effective 11/24/2023. Click the button above for additional rates, terms and conditions. 

Protect your loan - and your wallet

  • GAP

    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.
  • Payment protection

    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 here.

Your auto loan in 4 simple steps

  1. 1


    Know before you go - get all the information you need to feel confident about buying a car.
  2. 2


    Calculate your monthly payment to see how much car you can afford.
  3. 3


    Apply online in less than 10 minutes or visit your local branch.
  4. 4


    Shop online and visit your local dealership to take vehicles for a test drive.

Estimate your monthly car loan payment

You're ready to apply

Your application will take about 10 minutes to complete


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.

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    Get Financing
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    Search Inventory
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MHV Gave Me My First Car Loan

  • 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.

Commonly Asked Questions About Car loans

  • MHV offers auto, recreational vehicle, boat, and motorcycle loans

  • In person visit any Branch location to make a payment. Payments can be made at the teller line or with the Personal Tellers.

    Over the phone - We can easily transfer funds from your MHV accounts to pay your loans with us. We also accept payments from non-MHV accounts via debit card or ACH. Please note there is a fee for payments made via debit card or ACH. Please see our Fee Schedule

    Online - To schedule one-time or recurring payments to an MHV Loan or Mortgage:

    • From an MHV account, simply click Move Money > Make or Schedule in Online Banking or tap Transfers in the MHV Mobile App. You can also tap More and use the quick link at the top of the screen in the MHV Mobile App.
    • From a non-MHV account, simply click Move Money > Pay my MHV Loan in Online Banking or navigate to Pay my MHV Loan in the MHV Mobile App.
  • If you are experiencing financial hardship, please contact us at 845.336.4444. It is important that you reach out before you start falling behind on your payments so that we can work with you on a solution. You may find additional information and resources for financial hardship here.

  • Yes. 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 here

  • Yes, by setting up automatic payments from your MHV Checking or Savings Accounts. This qualifies you for a 0.25% discount.

  • When you have your car or truck loan with MHV, you must carry full coverage, including comprehensive and collision for the value of the loan. We do require the policy, not just the binder. The policy should list Mid-Hudson Valley Federal Credit Union as the loss payee (P.O. Box 1155, Kingston, NY 12402), and your deductible cannot be more than $1,000.

  • Please visit our Rates Page to see our current rates.

  • Yes, you can finance a private sale with an MHV auto loan.

*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