Auto Loans

New and Used Auto Loans

Buy a new or used vehicle, or refinance your current auto loan with an affordable rate from Boulevard Federal Credit Union.
Boulevard FCU auto loans

New and used car loans with competitive rates and terms

Let us help you finance your new car with our low rates!

  • Rates as low as 1.99% APR*
  • Flexible terms
  • Fast and hassle-free approval process
  • No pre-payment penalty
  • Automatically schedule your monthly payments

Searching for the right vehicle can be challenging. Our used auto rates are extremely competitive. The loan application process is quick and easy, and the service you’ll receive is friendly and efficient.

  • Rates as low as 7.65% APR*
  • Flexible terms
  • Fast and hassle-free approval process
  • No pre-payment penalty
  • Automatically schedule your monthly payments
auto loan Rates

All rates are accurate and effective as of January 1st, 2024

Our normal rates are listed below, but be sure to check out our specials page for our latest offers on auto loans.

Terms for models 2022-2024
APR*
24 Months
As low as 1.99%*
36 Months
As low as 5.25%*
48 Months
As low as 5.65%*
60 Months
As low as 6.45%*
72 Months
As low as 7.05%*
84 Months
As low as 7.55%*
Terms for models 2021 and older
APR*
24 Months
As low as 6.65%*
36 Months
As low as 6.65%*
48 Months
As low as 6.65%*
60 Months
As low as 7.40%*
72 Months
As low as 8.25%*

*APR = annual percentage rate. Rates effective 01/01/2024. Credit Life Insurance and Disability Insurance is available on all loans (except First Mortgage), but purchase is not required to obtain a loan. This is member-pay insurance, and is available to single or co-applicant loans. (These products are not underwritten, issued, insured or guaranteed by NCUA or any other Federal Government agency). All rates are subject to change without notice. Home Equity Loans not available Out-of-State. Loan Late Payment Fee – $25.00 (after 5 day Grace Period)

The credit union may offer other rates and terms or amend the rates and terms contained in this schedule at any time. Creditworthiness factors, and other loan terms may affect the actual rate offered. Other conditions may apply. Contact the Credit Union for complete details. All rates listed are APR (Annual Percentage Rate).

What do I need for an Auto Loan application?

  • Proof of income – All that apply, most recent paystubs, bank statements, awards letter, child support, etc. If self-employed, last 2 years tax returns)

  • Invoice/Bill of Sale
  • Insurance Binder listing BLVD FCU as the loss payee, with an effective day of loan signing – fax attention loan department: 716-691-6860 or email to loans@blvdfcu.com
    Boulevard FCU
    2787 Niagara Falls Blvd
    Amherst, NY 14228

  • Proof of Income – All that apply, most recent paystubs, bank statements, awards letter, child support, etc. If self-employed, last 2 years tax returns)
  • Lease Buyout Contract, valid for at least 10 days and including daily per diem amount if needed – fax attention loan department: 716-691-6860 or email to loans@blvdfcu.com
  • Payoff instructions, including Address and Lease Account Number
  • Invoice/Bill of Sale

  • Insurance Binder listing BLVD FCU as the loss payee, with an effective day of loan signing – fax attention loan department: 716-691-6860 or email to loans@blvdfcu.com
    Boulevard FCU
    2787 Niagara Falls Blvd
    Amherst, NY 14228
  • Copy of title – If none, then the applicant will need to take their lien release and title work from the leasing company to the DMV, and request a duplicate title. A copy of the new title will need to be provided to the Boulevard FCU when the applicant receives it.

  • Proof of Income – All that apply, most recent paystubs, bank statements, awards letter, child support, etc. If self-employed, last 2 years tax returns)
  • 10-day payoff quote, including daily per diem amount – fax attention loan department: 716-691-6860 or email to loans@blvdfcu.com
  • Payoff instructions, including Address and Lease Account Number address where payment must be sent.
  • Insurance Binder listing BLVD FCU as the loss payee, with an effective day of loan signing – fax attention loan department: 716-691-6860 or email to loans@blvdfcu.com
    Boulevard FCU
    2787 Niagara Falls Blvd
    Amherst, NY 14228
  • Copy of title – If none, then the applicant will need to take their lien release and title work from the leasing company to the DMV, and request a duplicate title. A copy of the new title will need to be provided to the Boulevard FCU when the applicant receives it.

  • Proof of Income – All that apply, most recent paystubs, bank statements, awards letter, child support, etc. If self-employed, last 2 years tax returns)
  • Bill of Sale from person selling vehicle
  • Insurance Binder listing BLVD FCU as the loss payee, with an effective day of loan signing – fax attention loan department: 716-691-6860 or email to loans@blvdfcu.com
    Boulevard FCU
    2787 Niagara Falls Blvd
    Amherst, NY 14228
  • Copy of title – If none, then the applicant will need to take their lien release and title work from the leasing company to the DMV, and request a duplicate title. A copy of the new title will need to be provided to the Boulevard FCU when the applicant receives it.
  • Lien Release (if listed on title)

Useful information

Frequently asked questions

We make applying for an auto loan with the Boulevard FCU as easy as possible, the list of documents needed will differ depending on how you are financing your vehicle. Please reference the auto loan (link) page for a more detailed list.

Yes, you can apply for any loan including an auto loan. However, after you are approved, in order to process the loan, you would be required to open a savings account with a minimum balance of $5.00. When applying you would also need to provide a copy of your government ID in addition to the standard loan documents.

Yes, the Boulevard FCU will pull your credit when reviewing you for a loan. We pull the Experian FICO 2 credit report.

Yes, the Boulevard FCU can pre-qualify you for an auto loan prior to you deciding which vehicle you wish to purchase. This helps you find the perfect vehicle within your approved price range.

Our Pre-Qualification lasts for 30 days, beyond that time, please inform us of any delays otherwise the loan file would be closed out.