Auto Loans - limited time discounted rates!

Whether you would like to refinance an existing loan, upgrade your vehicle or buy the motorcycle you have always dreamed of, we would like to help. Plus, we are offering special, discounted rates on all autos, trucks and motorcycle loans! Be sure to take advantage of the offer before it expires.


Features & Benefits

Low payment terms
Great rates for all credit scores
Up to 60 days until your first payment
Autos, trucks or motorcycles
New or pre-owned purchase

Refinance from another institution, cash out equity may be available
Skip-A-Pay Program Available



Loan Term Promotional Loyalty Fixed Rate APR*  
Up to 24 months 3.50%    0.99% APPLY
25 - 36 months 5.00%    1.49% APPLY
37 - 48 months 5.50%    1.69% APPLY
49 - 60 months 5.75%    1.89% APPLY
61 - 72 months 6.25%    2.99% APPLY
73 - 841 months 6.50%    3.99% APPLY



The Application Process


1. Get started by filling out our online application or visiting one of our branches.


2. Get preapproved. We will process your application and notify you when your preapproval is completed, usually the same day.


3. Finalize the deal, send us the purchase agreement and sign the loan documents online using Docusign or stop by the branch.


4. We will cut you a check to purchase your new vehicle.











Earn Rewards!

Earn 2,500 bonus points when you book or refinance an auto loan with us.

Rewards can be redeemed for:
Cash back
Gift Cards
And More!
See the Rewards You Can Earn

Not a rewards member?
Sign up today by becoming a cardholder, or give us a call at 518.583.2323.
Open a Checking Account
Open a VISA® Platinum Credit Card



Debt Protection

Your credit union wants to ensure that you and your loans are protected.  Protect your family and lessen the burden of making your loan payments should you become unemployed, disabled or lose your life with Debt Protection.

Auto Insurance Discounts

With discounts for credit union members, the TruStage Auto Insurance Program could save you money.  It’s easy to get a quote and make the switch—even if you’re already covered with another company, you won’t lose a penny.

Pay Your Loan

Securely pay your loan using a debit card or e-check from another bank or credit union.


*Annual Percentage Rate
Rates apply to all vehicle loan options and include new or used. Discount applies to fixed rate loans only. Sample payment based on a 24 month Auto Loan at 0.99% APR* is $42.10 per $1,000.  Limited time promotion, expires 12/31/2021.  The credit union reserves the right to discontinue promotion at anytime.  Must be credit qualified.  Members with a variable rate/fixed payment loan are eligible to convert to a fixed rate option at any time during the life of the loan and are eligible for this promotion.  Offer is not valid to refinance existing Saratoga’s Credit Union fixed rate loans.
184 month term applies to new autos only.

Vehicles and Boats for Sale


Please refer to TCAR for terms and details,