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Best for: New York residents interested in a flexible 'DrivingSense' balloon loan for lower monthly payments
Empower FCU
Empower FCU — flexible auto refinancing in New York with terms up to 84 months and specialized balloon loan options.
Min credit
Not disclosed
APR
From 5.74%
Max vehicle age
5 yrs
Max mileage
Not disclosed
See your matched lenders and get prequalified. Takes ~3 minutes.
"Not disclosed" means Empower FCU does not publish this on their public site. "No restriction" means Empower FCU explicitly states no limit.
Overview
Empower Federal Credit Union (EFCU) serves members across New York State with a wide range of vehicle lending options, including traditional refinancing for loans held by other lenders.…
What’s great
- DrivingSense program offers up to 43% lower monthly payments via balloon lending
- Refinancing available for new, used, and recreational vehicles
- Flexible repayment terms up to 84 months
What to know
- Balloon payments in DrivingSense program require either vehicle return or a large final payment
- Membership is primarily restricted to New York State
Eligibility
| Minimum credit score | Not disclosed |
| APR range | Not disclosed |
| APR floor (as low as) | From 5.74% — minimum only; full range not published |
| Maximum vehicle age | 5 years |
| Maximum mileage | Not disclosed |
| Loan amount range | Not disclosed |
| Term length | Up to 84 months |
| States served | 1 states |
| Membership requirement | Open to employees of over 12,000 member companies, residents, workers, or students in select New York neighbor areas, and their immediate family members. |
FAQ
See your matched lenders and get prequalified. Takes ~3 minutes.
Sources
Every figure on this page is sourced from Empower FCU's own published materials. Rates, eligibility, and terms can change — verify directly with Empower FCU before applying.
- [1]Auto Loan Rates — Empower Federal Credit Unionhttps://www.empowerfcu.com/about-us/rates/auto-ratesLast checked: October 2026
- [2]Auto and Motorcycle Loans — Empower Federal Credit Unionhttps://www.empowerfcu.com/personal/borrow-credit/auto-center/auto-motorcycle-loansLast checked: October 2026
- [3]DrivingSense Auto Loans — Empower Federal Credit Unionhttps://www.empowerfcu.com/personal/borrow-credit/auto-center/drivingsense-auto-loansLast checked: October 2026
- [4]Our Story — Empower Federal Credit Unionhttps://www.empowerfcu.com/about-us/our-storyLast checked: October 2026