Auto Loan Rates

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Whether you've got summer road trip plans, need a reliable ride for the commute back to the office, your lease is expiring or repair after repair is pushing you to upgrade your vehicle, now is the best time to apply for an auto loan.

The Local Choice for Auto Loans

Gouverneur Savings & Loan Association makes all decisions locally, so you can have confidence that our dedicated loan professionals will provide you with the best auto loans for your needs. We're committed to providing our valued customers with auto loans at competitive rates fulfilled by the best customer service available.

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Locally Serviced Auto Loans with Very Competitive Rates

We tailor our Auto Loan rates based on your specific credit profile, term, and year of the vehicle to provide you with the best option for auto loans for your budget.

Get Behind the Wheel for Less: Gouverneur Savings & Loan Association Offers Competitive Auto Loan Rates 

7.00% APR* On

  • New Cars or Trucks
  • Used Cars or Trucks
  • Motorcycles

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*Annual percentage rate (APR) effective 3/20/2024 and is subject to change without notice. APR is subject to credit approval. Term up to 48 months and 2023 or newer.

New Automobile & Motorcycle Loan - 15,000 Miles or Less

Term Credit Score740 & Over Sample
Payment*
Credit Score700 - 739 Sample
Payment*
Credit Score650 - 699 Sample
Payment*
Credit Score649 & Less Sample
Payment*
48 Months 7.00% $359.21 7.25% $360.95 7.50% $362.70 11.25% $389.53
60 Months 7.25% $298.82 7.50% $300.59 8.00% $304.17 11.75% $331.81
72 Months 7.50% $259.38 7.75% $261.20 8.50% $266.71 12.00% $293.30
84 Months 7.75%  $386.65

- VSI charge is $45.00
*Sample payments based on $15,000 loan. 84 month term based on $25,000.00 sample payment. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan.

To qualify for the 84 month term, loan request must be $25,000.00 or greater. 

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Used Automobile & Motorcycle Loan

Year Term Credit Score740 & Over Sample
Payment*
Credit Score700 - 739 Sample
Payment*
Credit Score650 - 699 Sample
Payment*
Credit Score649 & Less Sample
Payment*
2023-24 48 Months 7.00% $359.21 7.25% $360.95 7.50%

$362.70

11.25% $389.53
2023-24 60 Months 7.25%

$298.82

7.50% $300.59 8.00% $304.17 11.75% $331.81
2023-24 72 Months 7.50% $259.38 7.75% $261.20

8.50%

$266.71 12.00% $293.30
2023-24 84 Months 7.75% $386.65
2022 48 Months 7.75% $364.45 8.00% $366.21 8.25% $367.98 12.25% $396.88
2022 66 Months 8.25% $283.52 8.50% $285.34 8.75% $287.17 12.75% $317.40
2021 48 Months 8.00%

$366.21

8.25% $367.98 8.50% $369.74 12.50% $398.73
2021 60 Months 8.25% $305.97 8.50% $307.78 9.00% $311.41 13.00% $341.34
2020 48 Months 8.25% $367.98 8.50% $369.74 8.75% $371.52 12.75% $400.58
2020 60 Months 8.50% $307.78 8.75% $309.59 9.00% $311.41 13.25% $343.26
2019 36 Months 8.75% $475.28 9.00% $477.02 9.25% $478.77 13.25% $507.25
2019 48 Months 8.75% $371.52 9.00% $373.30 9.75% $378.66 13.25% $404.31
2018 36 Months 8.75% $475.28 9.25% $478.77 10.75% $489.34 13.25% $507.25
2018 42 Months 8.75% $415.93 9.25% $419.45 11.25% $433.73 13.25% $448.29

- VSI charge is $45.00
*Sample payments based on $15,000 loan. 84 month term based on $25,000.00 sample payment. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan.

To qualify for the 84 month term, loan request must be $25,000.00 or greater.

Older than 2018 - Personal Loan Rates Apply - Maximum 42 Months

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Let Our Auto Loan Experts Guide You

Securing the best auto loan goes beyond just a competitive rate. At Gouverneur Savings & Loan Association, we understand that every borrower has unique needs and circumstances. Our friendly and knowledgeable loan professionals are here to answer your questions, discuss various auto loan options, and tailor a financing plan that fits your budget and goals.

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