- Drop your rate by 2.00% APR below your current rate with a floor of 3.99% APR for non-Tri Boro loans
- You may also qualify for a refinance reward of 1.00% of the loan amount with a max of $500.00 deposited into your share account.
- Finance up to 95% of the MSRP (new vehicles) or NADA (used vehicles)
- No loan application fee
*APR - Annual Percentage Rate. Financing must originate at Tri Boro. Minimum finance amount is $15,000. This promotion is not good towards existing Tri Boro loans or loans written at the dealer with a Keystone Lending Alliance (KLA) participating credit union. The Refinance Reward is based on 1% of the loan amount and is capped at $500. The Refinance Reward will be paid out 120 days after the loan has funded, conditional upon the loan not becoming in default, delinquent, or paid off. Tri Boro will deposit the Refinance Reward into your share account within 10 days after the 120th day that the loan was opened. You will be responsible for any income taxes required on the amount paid to you. Contact a Tri Boro employee for all details and for further information on applicable terms. This limited time offer may end at any time without prior notice. Certain restrictions may apply. New vehicles are model year 2023 and 2022 with less than 5,000 miles.
Vehicle Loans
Eliminate guess work and take advantage of our auto buying tools along with our Vehicle Loan FAQs during your search helping you make an informed decision. Tri Boro FCU is member-owned, allowing us to stay competitive with our Terms & Rates.
Do you currently have a vehicle loan somewhere else?
Call our 24/7 loan center at (866) 363-1959! You must be a member of Tri Boro FCU to apply for a loan.
New & Used Car Loans
You can get your vehicle loan at Tri Boro FCU several ways, before going to the dealership with Pre-Qualification, at the dealership or through a private party.
| New Car/Truck Loans | |
| Effective Date: 4/24/2023 | |
| APR* As Low As | Term |
| 7.290% | Up to 63 Months |
| 7.690% | Up to 75 Months |
| 8.390% | Up to 84 Months |
**.25% will be added for the refinance of an existing Tri Boro loan. New Autos less than 5,000 miles. | |
| Used Car/Truck Loans | |
| Effective Date: 4/24/2023 | |
| APR* As Low As | Term |
| 7.390% | Up to 63 Months |
| 7.890% | Up to 75 Months |
| Older Model Vehicles (2014 & Older) | |
| 9.290% | Up to 48 Months |
| **.25% will be added for the refinance of an existing Tri Boro loan. Rate is determined by member's credit worthiness and borrowing limits. All loan approvals are subject to normal underwriting guidelines. Older vehicles will be subjected to a Condition Report. Vehicle loans may require 20%-25% downpayment. All vehicles must be titled. * Annual Percentage Rate Financing must originate at Tri Boro FCU | |
Recreational Vehicles
Add some fun to life! Tri Boro FCU also has Recreational Vehicle Loans for Motorcycles, RVs (including motor homes and campers), Boats and ATVs.
| ATV Loans | |
| APR* As Low As | Term |
| New ATV | |
| 9.450% | Up to 54 Months |
| 9.750% | Up to 63 Months |
| 10.250% | Up to 75 Months |
| Used ATV | |
| 9.700% | Up to 54 Months |
| 10.000% | Up to 63 Months |
| 10.500% | Up to 75 Months |
| **.25% will be added for the refinance of an existing Tri Boro loan. Rate is determined by member's credit worthiness and borrowing limits. All loan approvals are subject to normal underwriting guidelines. Older vehicles will be subjected to a Condition Report. Vehicle loans may require 20%-25% downpayment. All vehicles must be titled. * Annual Percentage Rate Financing must originate at Tri Boro FCU | |
| RV/Boat Loans | |
| Effective Date: 9/29/2022 | |
| APR* As Low As | Term |
| New RV/Boat | |
| 6.740% | Up to 63 Months |
| 7.040% | Up to 75 Months |
| 7.740% | Up to 84 Months |
| 8.240% | Up to 120 Months |
| 8.740% | Up to 180 Months |
| Used RV/Boat | |
| 6.840% | Up to 63 Months |
| 7.140% | Up to 75 Months |
| 8.740% | Up to 84 Months |
| 8.940% | Up to 120 Months |
| 9.440% | Up to 180 Months |
| Older Model RV or Boat (2014 & Older) | |
| 10.190% | Up to 48 Months |
| 11.190% | Up to 84 Months |
| 11.690% | Up to 120 Months |
| 12.190% | Up to 180 Months |
| **.25% will be added for the refinance of an existing Tri Boro loan. Rate is determined by member's credit worthiness and borrowing limits. All loan approvals are subject to normal underwriting guidelines. Older vehicles will be subjected to a Condition Report. Vehicle loans may require 20%-25% downpayment. All vehicles must be titled. * Annual Percentage Rate Financing must originate at Tri Boro FCU | |
| Motorcycle Loans | |
| Effective Date: 9/29/2022 | |
| APR* As Low As | Term |
| New Motorcycle | |
| 6.740% | Up to 63 Months |
| 7.040% | Up to 75 Months |
| Used Motorcycle | |
| 6.840% | Up to 63 Months |
| 7.140% | Up to 75 Months |
| Older Model Motorcycle (2014 & Older) | |
| 10.190% | Up to 48 Months |
| **.25% will be added for the refinance of an existing Tri Boro loan. Rate is determined by member's credit worthiness and borrowing limits. All loan approvals are subject to normal underwriting guidelines. Older vehicles will be subjected to a Condition Report. Vehicle loans may require 20%-25% downpayment. All vehicles must be titled. * Annual Percentage Rate Financing must originate at Tri Boro FCU | |
| Model Years | |
| Model Year | Maximum Term |
| New 2023-2022 | Up to 84 Months |
| Used 2022-2019 | Up to 78 Months |
| 2018 | Up to 75 Months |
| 2017-2016 | Up to 72 Months |
| 2015 | Up to 60 Months |
| 2014 | Up to 54 Months |
| Includes Cars, Trucks, Motorcycles and ATVs | |
THIS NOTICE IS REQUIRED BY LAW. Read more at FTC.GOV. You have the right to a free credit report from AnnualCreditReport.com or 877-322-8228, the ONLY authorized source under federal law."
We grant loans regardless of race, color, religion, national origin, sex, handicap, or family status. All disclosures will be provided at loan closing
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