MCU Auto Loan Rates and Calculators

The New York Municipal Credit Union offers it’s vehicle rates to view how much an individual or entity will pay for a loan. In addition they also allow a user to view many different financial outlooks through their set of calculators to see which type of vehicle and loan may be best.

Rates

Scroll to the right side of This WebPage to view the rates for;

  • New Cars
  • Pre-Owned Vehicles
  • Auto Refinance

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Auto Loan Calculators

Use the following calculators to determine which type of loan may be best suited for the applicant’s financial situation;

How to Calculate

  • Which is Better: New or Used Calculator

Enter;

  • Interest rate
  • Loan Term
  • Down Payment
  • Years You Will Own the Vehicle
  • Monthly Maintenance Costs
  • Monthly Insurance Costs
  • Registration Costs
  • Purchase Price
  • Vehicle Age (in Years)
  • Your Savings Interest Rate
  • Your State and Federal Tax Rate

nymcu-which-is-better-new-or-used-vehicle

  • Vehicle Depreciation Cost Calculator

Enter;

  • Purchase Price of Vehicle
  • Vehicle Age
  • Years the Applicant will Own the Automobile

nymcu-vehicle-depreciation-cost

  • Should I Finance or Pay Cash Calculator

Enter;

  • Down Payment
  • Loan Term (months)
  • Interest Rate Percentage
  • Years the Applicant will Own the Vehicle
  • Your Savings Interest Rate
  • Your State and Federal Tax Rates

nymcu-should-i-finance-or-pay-cash-calculator

  • How Much Will my Vehicle Payments Be Calculator

Enter;

  • Purchase Price
  • Cash Rebate
  • Value of the Trade-in
  • Amount Owed on the Trade-in
  • Down Payment
  • Loan Term (months)
  • Interest Rate

nymcu-how-much-will-my-vehicle-payments-be-calculator

  • Which Loan is Better Calculator

Enter;

  • Loan 1 and Loan 2 Information
    • Down Payment
    • Purchase Price
    • Loan Term (months)
    • Interest Rate Percentage
  • Savings Interest Rate
  • State and Federal Tax Rates

nymcu-which-vehicle-loan-is-better-calculator

  • What Vehicle Term Should I Choose?

Enter;

  • Information for Both Loan Types (1 & 2)
    • Loan Term (months)
    • Interest Rate
    • Down Payment
  • Vehicle and Personal Information
    • Purchase Price
    • Savings Interest Rate
    • State and Federal Tax Rates

nymcu-what-vehicle-term-should-i-choose

  • Should I Use Home Equity Loan or Auto Loan Calculator

Enter;

  • Purchase Price
  • Down Payment
  • Loan Term (months)
  • Auto Loan Interest Rate
  • Home Equity Loan Interest Rate
  • Upfront Costs (home Equity Loan)
  • State Tax + Federal Tax Rate (percentage)
  • Savings Rate

nymcu-should-I-use-home-equity-or-auto-loan-calculator

  • Which is Better; Rebate or Special Dealer Financing Calculator

Enter;

  • Low Interest Rate
  • Regular Interest Rate
  • Cash Rebate
  • Your Savings Interest Rate
  • Purchase Price
  • Down Payment
  • Loan Term (months)
  • State and Federal Tax Rates

nymcu-which-is-better-rebate-or-special-dealer-financing-calculator

  • How Long Should I Keep a Car Calculator

Enter;

  • Purchasing/Expenses
    • Years Before Selling
    • Yearly Repairs
    • Yearly Insurance
    • Yearly Licensing
  • Vehicle Information
    • Vehicle Age
    • Purchase Price
    • Down Payment
    • Interest Rate
    • Loan Term (months)
    • Your Savings Interest Rate
    • State + Federal Tax Rate
    • Sales Tax Rate

nymcu-how-long-should-i-keep-a-car-calculator

  • What Vehicle Can I Afford Calculator

Enter;

  • Down Payment
  • Monthly Payment
  • Interest Rate
  • Loan Term (months)
  • Value of Your Trade-in
  • Cash Rebate*

nymcu-what-vehicle-can-I-afford-calculator

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