Auto Loans

auto loans from compass fcu near oswego ny

Whether old reliable has become old and not so reliable, your lease is up or you’re ready to upgrade your ride, Compass Credit Union gets you moving in the right direction with affordable auto loans.

Regardless if you’re shopping for used car loans or new car loans, get auto loan rates you can afford here.

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Compass Credit Union Used Car Loans Make It Affordable

As a credit union, our mission is to offer the best financial services to benefit our members. With this in mind, our used car loan rates are among the lowest auto loan rates near Oswego, NY. Getting a used car fits your budget with our used car loan rates.

See our used car loan rates here

Ready to get started?

Contact Us for Used Car Loans

When You Need a New Car Loan, You Need Compass Credit Union

When you’re shopping for a new car, get the best deal with our low auto loan rates from Compass Credit Union.

See our new car loan rates here.

Ready to apply?

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Credit Union Members with a Compass Debit Card Get a 0.25% Discount on Auto Loan Rates

As a Compass Credit Union member, upgrading your vehicle is even more affordable. That’s because we include a 0.25% rate discount for using a Compass debit card.

You can also take advantage of this 0.25% discount on auto loan rates by using payroll deduction or automatic payment.

To get started on taking advantage of these auto loan rate discounts…

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Auto Loans: Used Car Loan Rates and New Car Loan Rates

Vehicle Year/Status Term APR*
New Untitled Vehicle 36 Months
48 Months
60 Months
** 72 Months
*** 84 Months

As low as 1.74%
As low as 2.24%
As low as 2.49%
As low as 3.24%
As low as 3.99%

Used 2018-2021 Vehicle 48 Months
60 Months
** 72 Months
*** 84 Months
As low as 2.49%
As low as 2.74%
As low as 3.49%
As low as 4.24%
Used 2014-2017 Vehicle 48 Months
60 Months
** 72 Months
*** 84 Months
As low as 3.49%
As low as 3.74%
As low as 4.49%
As low as 5.24%
Used 2013 and Older 48 Months
60 Months
** 72 Months
*** 84 Months
As low as 4.49%
As low as 5.24%
As low as 5.99%
As low as 6.74%

* Rates included 0.25% discount for payroll deduction or automatic payment and .25% discount for using a Compass debit card. APR = Annual Percentage Rate

COMPASS ONLINE USERS: Apply for a loan online by going to your online banking site. It's an easy way to get started! Questions? Give us a call at 342-5300.

* Collision insurance is not required on auto loan balances under $2,000

* All secured loans for purchase of consumer goods require a signed purchase offer or bill of sale. It must include the make model and serial number of the goods being purchased and be submitted with a loan application. The certificate of title must be presented for used cars purchased from individuals. Only first liens will be accepted for car loans and required insurance must be carried.

* The minimum secured loan payment is $100.

** 72 Months are for loan amounts of $20,000 or more

*** 84 Months are for loan amounts of $25,000 or more

Effective 1/4/2021

In Addition to Auto Loans, Secure the Funds for Fun with a Compass Credit Union RV Loan

Compass Credit Union makes it possible to live the life you want to live with Recreational Vehicle Loans (also known as RV Loans).

In addition to auto loans, we offer RV Loans for:

  • Motorcycles,
  • Campers,
  • RVs,
  • Snowmobiles,
  • Boats,
  • Collector Cars

Explore Your RV Loan Options

Whether You’re Ready to Get Behind the Wheel, Or You’d Like to Discuss Your Auto Loan Options…

Let's Talk