Drive Away with a Great Rate.

Whether you’re buying a new sedan, a pre-owned truck, or refinancing your current car, Sweet Home FCU is here to fuel your journey with competitive rates and local support.

Diverse Loan Options fit for Your Life

Buying a vehicle should be fun, not stressful! And Sweet Home FCU can get you started on the right path with great financing options.

Better Rates, Always

Our fixed interest rates are designed to save you money over the life of the loan.

100% Financing Available

We can finance up to the entire purchase price of your vehicle (when purchased through a dealer), helping you keep more cash in your pocket.

New, Used, and Refinanced

Whether the car is fresh off the lot, pre-owned, or you just want to lower the rate on your existing loan, we have a solution.<br> </br>

Flexible Payments

Choose a monthly or bi-weekly repayment schedule that fits your unique pay cycle and budget.

Protect Your Investment

We offer GAP Insurance to give you peace of mind on the road.

Ready to Get Started?

Current Auto Loan Rates

New Automobile – Model years 2024 or newer

Term Rate
60 Months
as low as 5.24%
72 Months
as low as 6.24%
84 Months
as low as 7.24%

Used Automobile – Model years 2020 or newer

Term Rate
60 Months
as low as 5.24%
72 Months
as low as 6.24%
84 Months
as low as 7.24%

Used Automobile – Model years 2019

Term Rate
60 Months
as low as 5.24%

Used Automobile – Model years 2014 – 2018

Term Rate
48 Months
as low as 7.99%

Rates are subject to change without notice. All loans are subject to credit approval. Other terms and conditions may apply.

Loan Calculator

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**Note: For exceeding 120 no. of payments, a group of 12 payments will be combined into a single payment number for better chart visibility.

Period Payment Interest Balance

Calculator Disclaimer

The repayment amount shown using this calculator is an estimate, based on information you have provided. It is provided for illustrative purposes only and actual repayment amounts may vary. To find out actual repayment amounts, contact us. This calculation does not constitute a quote, loan approval, agreement or advice by My Finance. It does not take into account your personal or financial circumstances.

Ready to Hit the Road?​

Getting pre-approved gives you serious negotiating power at the dealership. Don’t let the dealer pressure you into financing—come to Sweet Home FCU first.

Have Questions?

Call us at (716) 691-9187 to speak directly with a friendly Sweet Home FCU loan representative today.

Third Party Links Disclosure

Our site contains hyperlinks to other web sites operated by third parties. These links will take you away from our site. Please note that we do not guarantee the accuracy or completeness of any information presented on these sites nor do we represent either the third party or our member if the two enter into a transaction. The third party’s privacy and security policies may differ from those practiced by the credit union. We encourage our members to know when they leave our site and to read the privacy statements of each and every web site that collects personally identifiable information. Our Privacy Statement applies solely to information collected by our web site.

Third Party Links Disclosure

Our site contains hyperlinks to other web sites operated by third parties. These links will take you away from our site. Please note that we do not guarantee the accuracy or completeness of any information presented on these sites nor do we represent either the third party or our member if the two enter into a transaction. The third party’s privacy and security policies may differ from those practiced by the credit union. We encourage our members to know when they leave our site and to read the privacy statements of each and every web site that collects personally identifiable information. Our Privacy Statement applies solely to information collected by our web site.

Third Party Links Disclosure

Our site contains hyperlinks to other web sites operated by third parties. These links will take you away from our site. Please note that we do not guarantee the accuracy or completeness of any information presented on these sites nor do we represent either the third party or our member if the two enter into a transaction. The third party’s privacy and security policies may differ from those practiced by the credit union. We encourage our members to know when they leave our site and to read the privacy statements of each and every web site that collects personally identifiable information. Our Privacy Statement applies solely to information collected by our web site.