Auto loans made simple
With low rates, an easy online application, and advice from our local team that knows the area market, you can shop for your next car with confidence.
Let’s talk vehicle financing
Buying your first car, upgrading your ride, or refinancing to save? Palisades Credit Union makes it easy to get behind the wheel with a rate that works for your budget.
New and used auto loans
With low rates, flexible terms, and no hidden fees, our auto loans are built for wherever life takes you.
- Loans for a new or used vehicle—up to 125% more than the sticker price
- Low, competitive rates
- No prepayment penalties or surprise fees
- Fast, local approvals
Refinance for a lower rate
Monthly auto payments weighing you down? Refinancing with Palisades can put more money back in your pocket.
- Potential to lower your interest rate and monthly payment
- Refinance up to 125% of your vehicle’s value
- Fast, easy application process
- Local guidance from a credit union you trust
“I had such a great experience working with Enock at the Orangeburg office. He was so responsive and helpful – making my transaction go so smoothly. I was so thankful to be able to meet my tight deadline so that I could get the vehicle that I wanted. Thank you!
- JoJo T
- Palisades CU Member
Smooth loan process.
Smooth drive home.
Get behind the wheel faster with local decisions, no hidden fees, and support you can count on—trusted across Rockland and Bergen counties.
Local decisions, made fast
Trusted by your neighbors
No hidden fees
Friendly, helpful support
Drive your budget further
Calculate your monthly payment and see how much car you can afford before you hit the lot.
Personal Financing Calculators
Lending guidance and resources
From budgeting tips to credit-building advice, we’re here to help you make smart financial decisions with confidence.
Current auto loan rates
Auto loan FAQs
Common questions about our vehicle loans.
How much can I borrow for an auto loan?
Loan amounts vary based on your credit, income, and the vehicle’s value. In many cases, you can finance up to 125% of the car’s value—including taxes, title, and fees.
Can I refinance my current auto loan with Palisades?
Yes! Refinancing with us could help lower your interest rate, reduce your monthly payment, or shorten your loan term—potentially saving you money.
How long does it take to get approved?
Most auto loan applications are reviewed quickly, often within one business day. Our local team makes fast, personalized decisions so you can shop with confidence.
Can I get pre-approved for an auto loan?
Yes! Getting pre-approved is a great way to understand your budget before you shop. It gives you a clear idea of how much you can borrow and may strengthen your negotiating power at the dealership. Plus, it streamlines the buying process when you’re ready to make a purchase.
What documents do I need to apply for an auto loan?
Our team will walk you through the process and let you know exactly what’s needed, but in most cases, you’ll need:
- Proof of income (like recent pay stubs or tax returns)
- Proof of residence (such as a utility bill or lease agreement)
- Vehicle information (for purchases: dealer quote or bill of sale; for refinancing: current loan details)
Related products
We’re in your corner
Smarter accounts, real rewards, and the convenient tools you rely on. Get it all from a local credit union rooted in New York and New Jersey.
