Auto Loans ^top

Shopping for a new or late model used vehicle? Check out the inventory at any of our participating dealers. Once you've negotiated your best price, be sure to ask for ESL financing.

What are the benefits of going directly to the dealer for an ESL Auto Loan?

  • Convenience of one stop shopping. Select a car and apply for an ESL loan all at the same time.
  • Quick credit decision.
  • Flexible terms and competitive rates.
  • Loan servicing by the people you trust at ESL.
  • Auto payment sweep directly from your ESL checking or savings account.
  • Balances are eligible for the Owners' Dividend*.

What if your dealer is not on our list of participating dealers or you're buying a car from a private individual?

No problem. We'll take care of the financing for you. With an ESL auto loan you can count on:

  • Flexible terms and competitive rates.
  • Fixed monthly payments.
  • A credit approval valid for 30 days.
  • Low cost credit life and disability insurance.
  • Auto payment sweep directly from your ESL checking or savings account.

How much can I borrow?**

The amount varies by your credit profile.

New vehicles: up to 108% of the Manufacturer's Suggested Retail Price including tax, title, license and optional warranties.

Used vehicles: up to 128% of NADA trade-in value including tax, title, license and optional warranties.

How much will my payments be?

Use our Financial Calculator to help you estimate how much your payments will be.

Apply now or stop by any ESL branch office to apply. By phone call 800.848.2265 or 585.336.1000.

The ESL Vehicle Loan Exchange ^top

Keep your car, RV, boat, motorcycle, personal watercraft, ATV, or snow mobile. Trade in your loan.

With the ESL Federal Credit Union Vehicle Loan Exchange, you can trade in your high rate loan from another lender, and save 1%, 2% or more over your current rate. ESL could save you hundreds of dollars! Apply now.

To get an idea of how much you can save, see the chart below:

Total Finance Charge

Remaining Loan Balance If Your Current APR is 9.50% When Your APR Drops to 7.50%1 Your Savings2
$7,500 $1,544 $1,204 $340
$10,000 $2,059 $1,606 $453
$15,000 $3,089 $2,409 $680

An Extra Incentive to Make the Exchange

Your loan balance will qualify for our unique Owners' Dividend* Program. That can add up to even greater savings. The more business you do with ESL, the bigger your Dividend could be. It is our way of saying thanks for being part of the ESL family.

Exchange Your High Rate Vehicle Loan Today!

ESL makes it easy to trade in your current loan.

Once you are approved, you will just need to provide us with:

  • Your original New York State title
  • Insurance information
  • Current Lender Name
  • Current Loan Balance
  • A recent pay stub may be required

It is a quick and easy way to shift your savings into high gear.

Trade in your high rate loan and take advantage of the ESL Vehicle Loan Exchange! For more information, call our Tele-Bankers at 585.336.1000 or 800.848.2265. Or, visit an ESL branch near you.