TEGFCU goes the extra mile for you
New Car Loans
Finance. Buy. Protect. Enjoy.
Low rates, terms up to 84 months, and fast online approval. Get pre-approved and shop with confidence, or finance right at the dealership.
84 MO.
Terms up to 84 months
Flexible terms that fit your budget.
$0
No application fee
And no prepayment penalties.
%
Autopay discount
Save with automatic payments.
135%
Up to 135% financing
For those who qualify.
Why choose a TEG new car loan?
- Low car loan interest rates, personalized service
- Flexible terms up to 84 months
- No application fee or prepayment penalties
- Loan discounts with automatic payments
- Financing up to 135% for those who qualify
- Car and Loan protection available
Model Years
2026-2025
APR
New car loans from your local credit union
New car financing that puts you in the driver’s seat
Looking for a new car? TEGFCU is here to help you take the wheel. A pre-approved auto loan gives you extra negotiating power, so you can focus on getting the best price, not just the monthly payment. You’ll shop with the confidence of knowing you’ve already secured a low, competitive rate from your trusted credit union.
Apply online for a fast decision and get on the road in no time, or finance with us right at the dealership. Choose terms up to 84 months, pay no application fee or prepayment penalty, and save with automatic payments.
What is a TEGFCU new car loan?
A TEGFCU new car loan is a fixed-rate auto loan from TEG Federal Credit Union in Poughkeepsie, NY, for vehicles that have never been titled or have fewer than 3,000 miles. Members can choose terms up to 84 months, pay no application fee or prepayment penalty, and get a 0.25% rate discount with automatic payments.
Ready to shop? Get pre-approved in minutes and walk into the dealership knowing your budget and your rate.
Why Get a Pre-Approval for Your Auto Loan
Shop with confidence and negotiate a better price
Getting pre-approved for a loan can give you an edge before you shop. It tells the seller that you’re a serious buyer, and it’s a powerful tool that can make it easier to negotiate a better sales price. An Auto Loan pre-approval, let’s you know:
What can I afford to spend on a car?
Get pre-approved for your new car loan and find the perfect balance between a comfortable budget and that little touch of luxury you deserve.
How much are my monthly payments?
Know your maximum payment before you go so you can focus on the out-the-door price rather than a desired payment amount and avoid feeling pressured by a salesperson.
What is my interest rate?
Work with us to find the best new auto loan rates and avoid dealer financing mark-ups.
So, let’s get you on the road in style with a deal that makes sense for you!
Get Pre-Approved for your Vehicle Loan
Shift into drive and lock in your rate today!
Getting pre-approved lets you know how much you can afford and helps you stick to a budget. It gives you a bargaining chip to negotiate the best deal to save time and money and get the right vehicle for you.
It’s Easy as 1-2-3
2
Review & Approval
We’ll review your information to determine your eligibility and loan terms.
3
Get a Check
Use your bank-issued check at the dealership or with a private party.
Auto Loan Rates
Competitive rates for new and used vehicles. Your rate is based on your creditworthiness, term, vehicle model year and mileage.
| Vehicle Age | APR as low as |
|---|---|
| New Cars 2026-2025 | 5.54% |
| Vehicle Model Years 2025-2024 | 5.65% |
| Vehicle Model Years 2023-2019 | 6.15% |
| Vehicle Model Years 2018 and Older | 7.65% |
Rates effective as of 10/13/2026. APR = Annual Percentage Rate. Advertised rate is lowest offered and includes a .25% rate discount for automatic payments for the life of the loan. APR is based on creditworthiness, term, vehicle model year, and mileage. Your rate and term may vary. Maximum APR is 18%. Maximum term is 84 months. Maximum term for vehicles older than 10 model years is 60 months. Internal refinances, and auto equity loan rates are different and are not eligible for promotional rates. A new vehicle is considered one that has never been titled or has less than 3,000 miles. For example, a 48-month new car loan with a 5.54% APR for $15,000.00 would result in 48 monthly payments of $349.16.
Get a 0.25% Interest Rate Discount
In addition to a great rate, save even more on your Unsecured Personal Loan and Vehicle Loan when you set up automatic payments. Get a 0.25% interest rate discount on your loan when your loan payment is routinely deducted from your checking or savings account.*
Auto Loan Calculator
Estimate your monthly car payments with financing from TEGFCU.
New Auto Loan FAQs
Explore Loan Resources
Join TEGFCU
At TEGFCU, your best interests have always been our focus. As a better alternative to banks, our mission is simple, to help you get to a better place financially.
Membership is open to anyone (and their immediate families) who lives, works, worships, or attends school in Dutchess, Orange, Ulster, Putnam, Rockland, Sullivan, and Westchester County, NY. A $5 minimum deposit opens the door to all the benefits of being a valued TEGFCU member.
When we come together, everyone grows.
*APR = Annual Percentage Rate. Rates effective as of 5/9/2025. Advertised rate is lowest offer and includes a .25% rate discount for automatic payments for the life of the loan. APR is based on creditworthiness, term, vehicle model year, and mileage. Your rate and term may vary. Maximum APR is 18%. Maximum term is 84 months. Maximum term for vehicles older than 10 model years is 60 months. Internal refinances, and auto equity loan rates are different and are not eligible for promotional rates. A new vehicle is considered one that has never been titled or has less than 3,000 miles. For example, a 48-month new car loan with a 5.49% APR for $1,000.00 would result in 48 monthly payments of $23.26.
