Main office:  (315)785-2400  Hours: Mon – Fri 8:00am – 3:00pm.   Branch office: (315)785-2470 Hours: Mon – Fri 8:00am – 4:30pm |

Vehicle Loans

Whichever way you like to travel, State CS has the loan to get you there! By land, water or sea; our auto and recreation vehicle loans are just the right speed. And we can get you there for less with competitive rates and a 0.50% APR rate discount with a State CS Checking and automatic payments. Plus, add Mechanical Repair Coverage to your loan to help protect yourself from future costly repairs.

Auto and Motorcycle Loans

We offer flexible terms and low rates for both new and used vehicles and motorcycles. Financing options are available for vehicles above 100% of the MSRP or J.D. Power retail value! If you currently have a vehicle or motorcycle loan with another lender, State CS may be able to refinance the loan with lower payments and a lower rate!

Make sure to get pre-approved with State CS for your auto loan before you visit the dealer. You can shop in confidence knowing your approved loan amount and estimate monthly payment.

We also offer competitively-priced GAP Coverage for your auto loan. GAP helps pay off your auto loan if your car is totaled or stolen and you owe more than the car’s depreciated value. Ask us about adding GAP to your loan.

Lease Alternative Loan

If you’re looking for low monthly payments on your next vehicle, but don’t want all the drawbacks of a lease, our Drive 4 Less auto loan may be the answer. This loan can put you behind the wheel of a better car, with payments that are considerably lower than conventional financing. Yet unlike with leasing, you actually own the vehicle. 

Recreational Vehicle Loans

Pay less and play more with a State CS Recreational Vehicle loan. Available for the purchase, or refinance, of new and used RVs, Campers, ATV’s, Boats, Jet Skis and Snowmobiles. Depending on the loan amount, terms are available up to 180 months.

First-Time Car Buyer Loan

We understand the finding financing for your first loan can be difficult; and many dealers that offer captive financing may attempt to get you into a car with a loan at an exorbitant rate. This is why we developed our special First-Time Car Buyer program. Ask us for details.

Mechanical Repair Coverage

The older your vehicle gets, the more expensive it can be to fix it – and the more often you need to. Mechanical Repair Coverage may help keep those costs in check, saving your budget from future unexpected repair costs. Help protect yourself from unexpected costly covered repairs – Talk to your State CS Loan Officer to find out what Mechanical Repair Coverage plan is right for you.