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You finally found the perfect car, and now you can’t wait to drive it home! But before can you buckle in to a car the fits your lifestyle, you’ll need to secure a car loan that fits your budget.


Whether you’re buying a new Acura, a Certified Pre-Owned Acura, a used vehicle, or a Friendly Executive Vehicle, getting a credit approval decision is quick and easy at Friendly Acura. Our 2-step online credit application is secured by up to 256-bit encryption, and there’s never any obligation to buy.

And because Friendly Acura works with an extensive network of local and national lenders — like Hudson Valley Federal Credit Union, Bank of America, Rhinebeck Bank, Chase, USAA, TD Bank, TEG Federal Credit Union, Capital One, and more — we’re able to get you the best loan to fit your needs.

So let us help you get started building a customized a car loan program for you!



Knowledge is power. And when it comes to purchasing a vehicle, the more knowledge you have, the better. So here are three tools to empower you and help you get the inside track on making your buying experience with Friendly Acura even better.

Value Your Trade

What’s your car worth? Find out using the unmatched power of Kelley Blue Book.

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Estimate Your Payment

Get a better idea of what your payments could look like with this simple yet helpful tool.

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Exchange Your Car

When you buy a used car, you should love it. So if you don’t, bring it back within 3 days!

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As you go through the car buying process, there are terms you may come across that you’re not familiar with.

Let’s take a look at some of the most-commonly-asked-about terms and learn what they actually mean.

Amount Financed – The dollar amount of the credit provided to you. For example, if a vehicle costs $30,000 and you’ve applied a $2,000 down-payment, your amount financed will be $28,000.

Annual Percentage Rate (APR) – The cost of credit expressed as a yearly rate. Factors that influence your APR: Your credit history, current finance rates, dealers’ compensation, competition, market conditions, and special offers are among the factors that affect your APR.

Assignee – The bank, finance company, or credit union that buys the contract from the dealer.

Credit Report – A document that includes information on where you live, how you pay your bills, and whether you have been sued, or have filed for bankruptcy. Nationwide consumer reporting agencies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.

Extended Service Contract – Optional protection on specified mechanical and electrical components of the vehicle that may be available for purchase. It supplements any warranty coverage provided with the vehicle. Read more about the Service Contracts that Friendly Acura offers.

Finance Charge – The cost of credit expressed as a dollar amount.

Fixed Rate Financing – Financing where the finance rate stays the same over the life of the contract.

Guaranteed Auto Protection (GAP) – Optional protection that pays the difference between the amount you owe on your vehicle and the amount you would get from your insurance company if the vehicle is stolen or destroyed before you have paid off your credit obligation.

Negative Equity – The amount owed on a vehicle above its market value. For example, if the amount you still owe is $18,000 and your vehicle’s market value is $15,000, you have negative equity of $3,000. (See also: “Upside Down“) NOTE: The opposite of this is Positive Equity, where the market value of your car is above the amount owed.

Negotiated Price of the Vehicle – The purchase price of the vehicle agreed on by the buyer and the seller. The price should reflect any rebates, discounts, or special offers that you can get at the dealership if you meet certain qualifications, which should be clearly disclosed.

Repossession – If you do not make timely payments on a vehicle, your creditor may have the right to repossess it without going to court or warning you.

Total of Payments – As disclosed on a loan or finance contract, the total amount you will have paid after you have made all the payments as scheduled. For a lease, this is the amount you will have paid by the end of the lease.

Upside Down – When you owe more money to the lender than the car is worth (a Negative Equity position), you are said to be upside down on your loan.


Getting a new car from Friendly Acura is a carefree and enjoyable experience. (Just read our reviews!) But even when your car is new, regular maintenance and major repairs may be needed, and sometimes they can be costly. Whether you own your car or lease it, there’s no need to fret. The Friendly Finance Team can help you protect your investment and bring you peace of mind.

CarCare Service Plan

The CarCare Service Plan from Friendly Acura includes valuable maintenance services that help you keep your vehicle qualified for factory warranty protection.

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Vehicle Service Contract

With the Friendly Acura Vehicle Protection Plan, service can be conveniently performed at any one of the more than 6,000 authorized service centers in the U.S. and Canada.

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Term Care Select

This protection plan is designed especially to help protect your new car against the unexpected, with coverage for items that the manufacturer’s warranty may not cover.

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Road Hazard Tire & Wheel Protection Plan

Road Hazard Tire & Wheel Protection Plan repairs or replaces tires damaged by Road Hazards, which include debris on the road surface or road surface conditions such as potholes, cracks and breaks.

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From an unintended ball to the anonymous door ding left in a parking lot, dings and dents are an everyday part of vehicle ownership. Ding ShieldTM allows for quick repairs directly through Friendly Acura.

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Xzilon GreenTM is long lasting vehicle protection, professionally applied at Friendly Acura, and protects your vehicle from a variety of common hazards.

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Friendly Acura of Middletown

3475 U.S. 6, Middletown, NY, United States

Friendly Acura of Middletown 41.4200148, -74.430821.