Auto Loans

There are many advantages to getting an automobile loan through our local credit union. From competitive rates, payroll deduction conveniences, and more, contact us today so we can check your eligibility and help simplify the car buying process.

How to Apply

Start the application process online:

  1. Download and complete the application form
  2. Save the form on your computer, or print it to save a hard copy
  3. Send the application to us in one of the following ways:
  • Email the attachment to loans@rocmon.org
  • FAX to 585-546-3745
  • Mail us your printed copy:
    460 N. Goodman Street
    Rochester, NY 14609

*Please note that a copy of a recent pay stub is required for all loans.

Download The Application Form

Our Rates

Model Years 2025-2026

Effective as of: April 1 , 2026

Loan Term
Fixed APR as low as*
Payment per $1,000
48 months
4.95%
$23.01
60 months
5.40%
$19.06
66 months
5.90%
$17.78
72 months
6.00%
$16.58
84 months
6.75%
$14.97

*APR = Annual Percentage Rate, APR varies depending on your credit history.

Model Years 2020 – 2024

Effective as of: April 1, 2026
Fixed APR as low as*
Payment per $1,000
48 months
4.95%
$23.01
60 months
5.40%
$19.06
66 months
5.90%
$17.79
72 months
6.00%
$16.58
84 months
6.75%
$14.98

*APR = Annual Percentage Rate, APR varies depending on your credit history.

Model Years 2016-2019

Effective as of: April 1, 2026
Fixed APR as low as*
Payment per $1,000
48 months
6.40%
$23.68
60 months
6.75%
$19.69
66 months
6.90%
$18.26
72 months
7.00%
$17.06
84 months
n/a
n/a

*APR = Annual Percentage Rate, APR varies depending on your credit history.

Calculators

Use our online calculators to get more information on lending and repayment options based on your budget and needs.

What Will My Payment Be?
How Much Can I Afford?

Financial decisions should not be made solely on the results from these calculators. Calculators are for informational purposes only. Always consult with your accountant or a professional advisor to get advice based on your needs.