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NextStep Federal Credit Union

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Used Vehicle Loans

Know how much you can afford and have your financing in hand when you negotiate.

Features

Competitive rates (see current rates)
No down payment required
Finance up to 110% of vehicle price
Flexible terms to fit any budget, up to 84 months
No prepayment penalties
No application or origination fees

CALL or MAKE APPOINTMENT

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To get things started, we invite you to call your local branch ...

Call our Albany branch
518.456.1611

Call our Troy branch
518.286.1611

... or fill out an in-person appointment request.

Are you a NextStep member or new to us?

I’M ALREADY A MEMBER

I’M NOT YET A NEXTSTEP MEMBER

IMPORTANT: To bank with NextStep you need to be able to say yes to one of the two qualifying statements below:

YES, I live, work, worship or attend school in either Albany, Columbia, Fulton, Montgomery, Rensselaer, Saratoga, Schenectady, Schoharie, Warren, or Washington County in New York State

or

YES, I’m a family member (by blood or through marriage) of a current NextStep FCU or School Systems FCU) member

Name(Required)

First

Phone(Required)

Email(Required)

I am interested in discussing ...

Checking and Savings Accounts

Vehicle Loans

Mortgages

Educational Loans

Home Equity or Other Loan

Other

Please leave a short message including preferred appointment day and time(Required)

Preferred method of contact for confirmation

Please email me

Please call me

APPLY ONLINE

Not yet a NextStep member?
That’s totally okay. Just check that you qualify and then join when you
apply for your account or accept your loan.

Online Banking
How to Bank with Us
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Contact Us

Albany Branch
325 Washington Avenue Ext., Albany, NY 12205
518.456.1611
Map & Driving Directions

Troy Branch
150 Defreest Drive, Troy, NY 12180
518.286.1611
Map & Driving Directions

Routing Number: 221382358

Federally Insured by NCUA

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Albany Branch Closed 8/1/2026

Due to circumstances beyond our control as a result of an area internet outage, our Albany Branch is closed today, August 1st, 2026. Our Troy Branch is open regular hours 9am-Noon. During this unexpected closure of the Albany branch, our *New* Online Banking, Mobile App and CO-OP ATM locations will be available to assist you with you banking needs. You may also visit or call us at the Troy Branch location 518-286-1611. We apologize for any inconvenience!