Bank · FDIC insured
1st National Bank of Scotia Auto Loan Rates
1st National Bank of Scotia auto loans start at 5.64% APR for a new vehicle and 5.64% for a used one. Rates checked October 16, 2026.
How 1st National Bank of Scotia’s auto loan rates compare
Compared with banks and credit unions near Albany, NY, where 1st National Bank of Scotia has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
1st National Bank of Scotia
5.64%APR
- Terms
- 6–60 months
- Discount
- None included
Vehicle Loans
Lowest rate
Sunmark Credit Union
3.74%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
2nd-lowest rate
NextStep Federal Credit Union
3.79%APR
- Terms
- up to 84 months
- Discount
- None included
1st National Bank of Scotia auto loan score
71
Auto loan score
Higher than 29% of U.S. banks and credit unions
- New vehicleNew5.64%
- Used vehicleUsed5.64%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where 1st National Bank of Scotia ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Vehicle Loans
APR Rates as low as. All rates quoted are the lowest available rate. Actual interest rate will be based on overall creditworthiness. Other rates and terms may apply. Down payment may be required depending on credit worthiness. 0.25% reduction with online application, electronic closing and automatic payment.
| Terms | APR | Conditions |
|---|---|---|
| 6–60 months | 5.64% | Vehicle condition and year: New, Used: 2026, 2025, 2024. Minimum Loan $4,000. Rate as low as. Actual interest rate based on overall creditworthiness. 0.25% reduction with online application, electronic closing and automatic payment. |
| 61–75 months | 6.14% | Vehicle condition and year: New, Used: 2026, 2025, 2024. Minimum Loan $4,000. Rate as low as. Actual interest rate based on overall creditworthiness. 0.25% reduction with online application, electronic closing and automatic payment. |
| 6–60 months | 5.89% | Vehicle condition and year: Used: 2023-2022. Minimum Loan $4,000. Rate as low as. Actual interest rate based on overall creditworthiness. 0.25% reduction with online application, electronic closing and automatic payment. |
| 61–75 months | 6.59% | Vehicle condition and year: Used: 2023-2022. Minimum Loan $4,000. Rate as low as. Actual interest rate based on overall creditworthiness. 0.25% reduction with online application, electronic closing and automatic payment. |
| 6–60 months | 6.29% | Vehicle condition and year: Used: 2021-2020. Minimum Loan $4,000. Rate as low as. Actual interest rate based on overall creditworthiness. 0.25% reduction with online application, electronic closing and automatic payment. |
| 61–75 months | 6.89% | Vehicle condition and year: Used: 2021-2020. Minimum Loan $4,000. Rate as low as. Actual interest rate based on overall creditworthiness. 0.25% reduction with online application, electronic closing and automatic payment. |
| 6–60 months | 7.04% | Vehicle condition and year: Used: 2019-2018. Minimum Loan $4,000. Rate as low as. Actual interest rate based on overall creditworthiness. 0.25% reduction with online application, electronic closing and automatic payment. |
| 61–75 months | 7.54% | Vehicle condition and year: Used: 2019-2018. Minimum Loan $4,000. Rate as low as. Actual interest rate based on overall creditworthiness. 0.25% reduction with online application, electronic closing and automatic payment. |
| 6–60 months | 8.74% | Vehicle condition and year: Used: 2017-2015. Minimum Loan $4,000. Rate as low as. Actual interest rate based on overall creditworthiness. 0.25% reduction with online application, electronic closing and automatic payment. |
Sources (1)
- firstscotia.com/resources/rates/vehicles-loans · captured Oct 5, 2026
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