65K+

65K+

Valued Members and Growing

Valued Members and Growing

75+

75+

Years In Business

Years In Business

3.5+

Billion in Managed Assets

Billion in Managed Assets

18

Communities Across Ontario

Communities Across Ontario

YNCU has flexible financing solutions that work for you

When you apply for a vehicle, we’ll get you financing with only the amount you need, for the car you want, and within your budget. We have competitive rates, flexible terms and payment options. Here’s an overview of financing:

1.

Pick your terms

Pick from flexible amortization terms with up to 96 months on select vehicles, along with fixed or variable rate financing to suit your needs.

2.

Choose your payment schedule

Select a payment schedule that works for you

3.

Purchase your vehicle

Get financing through YNCU when you're ready to purchase.

Get your car loan and financing started today

Our low rates are available for a limited time. Meet with an Advisor by booking a meeting online or call us at 1-888-263-2225 to get started today.

Simple no-trick financing

For a limited time, we have lowered our rates.

Why choose YNCU for car financing and more

Pick from flexible amortization terms with up to 96 months on select vehicles, along with fixed or variable rate financing to suit your needs.

The reasons

Competitive Rates

Extra financing support

Pay off your loan early

Payment extensions

Rates as low as

5.45%*

Call to speak with a local advisor
1-888-263-2225

1-888-263-2225

1-888-263-2225

We make getting a car loan easy

Call to speak with a local advisor 1-888-263-2225

1-888-263-2225

1-888-263-2225

Call to speak with a local advisor.

Helping serve our members since 1950

Helping serve our members since 1950

Helping serve our members since 1950

While it sounds cliché, here at YNCU, our members come first. As a credit union, we don’t have the stock pressures of big banks, so we can prioritize your financial well-being over profit.

Why choose YNCU?

Given the economic uncertainty we’re facing in this country, our job is to make you feel confident about your future. We’ll help you earn, save, and protect your money. We also help the local communities where we do business, because we know the financial health and security of our customers and members require investments at both individual and collective levels.

YNCU staff peaking out of office doors
YNCU staff selfie while planting trees
YNCU staff holding cheque with Santa Clause
YNCU member with two kids

What our amazing members say about us

Our members are at the heart of everything we do. Their stories highlight the trust, support, and meaningful connections we strive to build every day. Here’s what they have to say about their experience with us.

YNCU has been wonderful to deal with. Love that I can walk into the bank and they know who we are. The personal touch is the key to banking, you are not just a number.

Mary E.

Happy Member

Been a member here for years. Customer service is awesome, they know me by name and everytime I walk through the doors I am treated with nothing but respect and I feel like I'm coming home for a visit. I'm not just an account number, I'm a family member.

Leann W.

Happy Member

They've always been friendly and helpful. Some of the staff remember me from when I was a kid and opened my first account with change I saved in an empty tissue box. Since then they've helped with advice on buying a business, and with opening and using savings accounts.

Caleb D.

Happy Member

Extremely friendly and professional staff. Very comfortable environment. Most of all they don't make you seem like a number (like most banks).

Jay P.

Happy Member

What our amazing members say about us

Our members are at the heart of everything we do. Their stories highlight the trust, support, and meaningful connections we strive to build every day. Here’s what they have to say about their experience with us.

YNCU has been wonderful to deal with. Love that I can walk into the bank and they know who we are. The personal touch is the key to banking, you are not just a number.

Mary E.

Happy Member

Been a member here for years. Customer service is awesome, they know me by name and everytime I walk through the doors I am treated with nothing but respect and I feel like I'm coming home for a visit. I'm not just an account number, I'm a family member.

Leann W.

Happy Member

They've always been friendly and helpful. Some of the staff remember me from when I was a kid and opened my first account with change I saved in an empty tissue box. Since then they've helped with advice on buying a business, and with opening and using savings accounts.

Caleb D.

Happy Member

Extremely friendly and professional staff. Very comfortable environment. Most of all they don't make you seem like a number (like most banks).

Jay P.

Happy Member

What our amazing members say about us

Our members are at the heart of everything we do. Their stories highlight the trust, support, and meaningful connections we strive to build every day. Here’s what they have to say about their experience with us.

YNCU has been wonderful to deal with. Love that I can walk into the bank and they know who we are. The personal touch is the key to banking, you are not just a number.

Mary E.

Happy Member

YNCU has been wonderful to deal with. Love that I can walk into the bank and they know who we are. The personal touch is the key to banking, you are not just a number.

Mary E.

Happy Member

Been a member here for years. Customer service is awesome, they know me by name and everytime I walk through the doors I am treated with nothing but respect and I feel like I'm coming home for a visit. I'm not just an account number, I'm a family member.

Leann W.

Happy Member

Been a member here for years. Customer service is awesome, they know me by name and everytime I walk through the doors I am treated with nothing but respect and I feel like I'm coming home for a visit. I'm not just an account number, I'm a family member.

Leann W.

Happy Member

They've always been friendly and helpful. Some of the staff remember me from when I was a kid and opened my first account with change I saved in an empty tissue box. Since then they've helped with advice on buying a business, and with opening and using savings accounts.

Caleb D.

Happy Member

They've always been friendly and helpful. Some of the staff remember me from when I was a kid and opened my first account with change I saved in an empty tissue box. Since then they've helped with advice on buying a business, and with opening and using savings accounts.

Caleb D.

Happy Member

Extremely friendly and professional staff. Very comfortable environment. Most of all they don't make you seem like a number (like most banks).

Jay P.

Happy Member

Extremely friendly and professional staff. Very comfortable environment. Most of all they don't make you seem like a number (like most banks).

Jay P.

Happy Member

Here are some commonly asked questions about vehicle loans

What are the terms of a car loan in Ontario with YNCU?

Our terms range from 1 to 8 years. You can make weekly, biweekly, semi-monthly or monthly payments. Our rates are generally better than those you’ll find at used car dealerships.

What are the terms of a car loan in Ontario with YNCU?

Our terms range from 1 to 8 years. You can make weekly, biweekly, semi-monthly or monthly payments. Our rates are generally better than those you’ll find at used car dealerships.

What are the terms of a car loan in Ontario with YNCU?

Our terms range from 1 to 8 years. You can make weekly, biweekly, semi-monthly or monthly payments. Our rates are generally better than those you’ll find at used car dealerships.

How do I know how much I can afford when financing a car?

We recommend a 20-4-10 rule for buying a car, where you make a 20% down payment, pick a 4-year loan tenure, and keep car expenses around 10% of your income.

How do I know how much I can afford when financing a car?

We recommend a 20-4-10 rule for buying a car, where you make a 20% down payment, pick a 4-year loan tenure, and keep car expenses around 10% of your income.

How do I know how much I can afford when financing a car?

We recommend a 20-4-10 rule for buying a car, where you make a 20% down payment, pick a 4-year loan tenure, and keep car expenses around 10% of your income.

Can I pay off my car loan earlier with YNCU?

Yes, in most cases, you can pay off a car loan early with YNCU in Ontario. As a credit union, we want what’s best for our members to help them save money – that’s why we allow you to make extra payments to pay off the remaining balance before the end of your loan term.

Can I pay off my car loan earlier with YNCU?

Yes, in most cases, you can pay off a car loan early with YNCU in Ontario. As a credit union, we want what’s best for our members to help them save money – that’s why we allow you to make extra payments to pay off the remaining balance before the end of your loan term.

Can I pay off my car loan earlier with YNCU?

Yes, in most cases, you can pay off a car loan early with YNCU in Ontario. As a credit union, we want what’s best for our members to help them save money – that’s why we allow you to make extra payments to pay off the remaining balance before the end of your loan term.

Should I get a loan or a line of credit to buy a car?

We don’t recommend a personal line of credit to finance your car purchase. Car loans are better as they offer lower interest rates and more predictable payment terms. Lines of credit may offer flexibility, but the typically higher interest rates and lack of structured repayment can make them a more expensive option for financing.

Should I get a loan or a line of credit to buy a car?

We don’t recommend a personal line of credit to finance your car purchase. Car loans are better as they offer lower interest rates and more predictable payment terms. Lines of credit may offer flexibility, but the typically higher interest rates and lack of structured repayment can make them a more expensive option for financing.

Should I get a loan or a line of credit to buy a car?

We don’t recommend a personal line of credit to finance your car purchase. Car loans are better as they offer lower interest rates and more predictable payment terms. Lines of credit may offer flexibility, but the typically higher interest rates and lack of structured repayment can make them a more expensive option for financing.

Do I pay less interest if I pay off my car loan early?

Yes, you can save on interest overall by paying your loan off early.

Do I pay less interest if I pay off my car loan early?

Yes, you can save on interest overall by paying your loan off early.

Do I pay less interest if I pay off my car loan early?

Yes, you can save on interest overall by paying your loan off early.

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Available on approved credit. Additional terms and conditions may apply. The 5.45% rate is available on 1–5 year auto loans of $10,000 or more for 2023–2025 model vehicles.

Promotional rate includes a 0.50% discount for CUMIS auto insurance holders. To receive the discounted rate, life and disability protection is required. Other rates and terms are available without this condition. Speak with a YNCU representative or visit your local branch for complete details.

Available on approved credit. Additional terms and conditions may apply. The 5.45% rate is available on 1–5 year auto loans of $10,000 or more for 2023–2025 model vehicles.

Promotional rate includes a 0.50% discount for CUMIS auto insurance holders. To receive the discounted rate, life and disability protection is required. Other rates and terms are available without this condition. Speak with a YNCU representative or visit your local branch for complete details.

Available on approved credit. Additional terms and conditions may apply. The 5.45% rate is available on 1–5 year auto loans of $10,000 or more for 2023–2025
model vehicles.

Promotional rate includes a 0.50% discount for CUMIS auto insurance holders. To receive the discounted rate, life and disability protection is required. Other rates and terms are available without this condition. Speak with a YNCU representative
or visit your local branch for complete details.

2025 Your Neighbourhood Credit Union Limited. All rights reserved.

Your Neighbourhood Credit Union (YNCU) is a licensed credit union operating in, and under the laws of, the province of Ontario. Eligible deposits in registered accounts have unlimited coverage through the Financial Services Regulatory Authority (FSRA). Eligible deposits (not in registered accounts) are insured up to $250,000 through the Financial Services Regulatory Authority (FSRA).

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