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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 ProtectionThis 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
ResearchKnow before you go - get all the information you need to feel confident about buying a car.
CalculateCalculate your monthly payment to see how much car you can afford.
ApplyApply online in less than 10 minutes or visit your local branch.
ShopShop online and visit your local dealership to take vehicles for a test drive.
Do your research
Drive Away HappyDownload our free guide, Drive Away Happy, for need-to-know car buying information. We’ll guide you through everything you should consider so you can feel confident when heading to the dealership.
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.
Top Car Buying TipsFrom when to buy a car to figuring out if pre-approval matters, tune in for top car-buying tips.
Top 5 Car Buying MistakesIt 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.
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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.
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.