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Auto Loan Disclosures

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APR

APR is the Annual Percentage Rate. A typical example of the payments terms for a 60 month loan, in the amount of $25,000, with an APR of 5.49% would be $477.41 per month. Rates subject to change without notice. Your rate cannot be determined until you have applied and been approved for a loan. A Consumer Loan Specialist will review and provide you with the terms, conditions, disclosures, and additional details on the interest rate that applies to your specific situation.

LOAN AMOUNT:

New Auto
  • Current model year or previous model year that has never been titled
  • Up to 115% of Dealer Invoice, including taxes, tag, title, warranty, GAP insurance, etc.
  • Minimum Loan Amount of $7,000
  • Maximum Loan Amount of $40,000
Used/Refinance Auto
  • Model year less than 7 years old from current model year
  • 115% of NADA Clean Trade-In or Bill of Sale, whichever is lower, from Dealer
  • 100% of NADA Clean Trade-In or Bill of Sale, whichever is lower, from Private Party
  • Maximum Loan Amount of $40,000

ELIGIBLE COLLATERAL:

Cars, SUVs, Trucks and Vans. Commercial, Classic, Kit, Lemon, Flood, Totaled vehicles and Lease Buyouts are ineligible.

TERMS AVAILABLE:

36, 48, 60, 72, 84 months

GEOGRAPHY:

Auto loan applications may be taken for borrowers residing within the New York State counties of Orange, Ulster, Sullivan and Dutchess.

ELIGIBLE BORROWERS:

Walden Savings Bank will provide financing to natural persons with the legal capacity to enter into a binding contract, but in all instances, each individual signing the note must be fully underwritten and be 18 years of age.

PROOF OF INCOME:

Proof of Income documentation may be required based upon your credit or if your employment is unable to be verified.

TITLE:

Walden Savings Bank will be required to be listed as the lien holder on your vehicle title.

REFINANCE:

Walden Savings Bank will only refinance Auto Loans from another lending institution and not existing Walden Savings Bank Auto Loans.

  • Auto Loan Rates
    Loan TypeRateAPR
    New Auto 2.490% 2.490%1
    Used Auto 2.990% 2.990%2
    Auto Refinance 2.990% 2.990%3

    as of 12/21/16 10:10:06 AM

    * Important Disclosures

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  • CURRENT CUSTOMER

    If you are a customer of Walden Savings Bank and have a question regarding your existing loan, please call:

    Contact Center:
    845-457-7700 - option 3


  • * Important Disclosures

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