Auto Loans

Our auto loans go beyond ordinary.
Get the keys from the dealer
and the loan from us!

Time for that New Car Smell

Buying a new car is exciting–whether it’s brand new or just new to you! Whatever road has brought you here, we’re glad to share this moment with you and give you an auto loan option that is fast and simple, with rates and terms that make it easy to afford that new ride.


  • With our quick and easy pre-approval, you can shop knowing your financing process is already started.
  • Whether it’s a car, truck or motorcycle that you want, we can help you finance it.
  • We’re here to help you get to a better place financially. Our rates are lower and our service is unbeatable.
  • Cruise around in your new ride knowing the monthly payment isn’t breaking your bank.

“I opened my account about a year ago–first time taking out a loan, people were very nice and helpful in getting me the information needed to make an informed decision. Meridia will be my first choice . . . to take out another loan.”

–Brian B.


2024 and newer
2018 and older
Up to 60 monthsAs low as 4.89% APRAs low as 5.49% APRAs low as 6.29% APR
61-75 monthsAs low as 5.89% APRAs low as 6.49% APRAs low as 6.99% APR

APR = Annual Percentage Rate. The loan rate will be determined by your credit score and model year of the vehicle. Rates start at 4.89% apr for model years 2024 and newer (60 monthly payments of $18.83 per $1,000 borrowed). Rates start at 5.49% apr for model year 2019 to 2024 (used) (60 monthly payments of $19.10 per $1,000 borrowed) and 6.69% apr for model years 2018 and older (60 monthly payments of $19.46 per $1,000 borrowed).

Updated June 20, 2024


The accuracy of our calculators and their applicability to your circumstances are not guaranteed. You should consult with a qualified professional regarding your particular circumstances.


Loan Late Charge
Duplicate Lien Release$5
Returned Loan Payment Check$29 each
Other fees may apply. Refer to our full fee schedule for further information.

Frequently Asked Questions

How do I get pre-approved for an auto loan?

Complete the online application, or stop in and speak with a Financial Service Representative. By getting pre-approved, you will know how much you can spend which gives you more purchasing power.

Can I get pre-approved if I don’t know what car I am going to buy?

Yes! We can help you determine a payment you can afford and let you know if you qualify for that amount before you shop.

Can I refinance an existing loan?

Yes! It’s not unusual that people come to see us after they have purchased a vehicle, and realize the loan rate is much higher through the dealer. We can refinance your existing loan and save you money!

When can I schedule an appointment to close my loan?

In addition to our Branch Lobby Hours between 9am and 4pm Monday through Friday, we have Saturday loan closing appointments available to be scheduled between 9am and 12pm at our Southwestern Branch. Appointments can be set by calling us at 716-648-4411 or through our website.

Is there a prepayment penalty?

No! If you pay the loan off early, not only is there no penalty, you save on the overall interest cost.

How much can i finance?

You can finance up to 125% of the NADA value of the vehicle.

How long is my preapproval available?

A preapproval is valid for 30 days to hold a rate, or 90 days if a vehicle is ordered to be built.

How long does the approval process take?

Once we have all required documents, we can usually close your loan within 24 hours of approval.

Get on the Road
in a New Ride.

We want our members to enjoy new cars
without sacrificing financial stability.
That’s just one way we go beyond.