Bank · FDIC insured
Ascendia Bank Auto Loan Rates
Top CarrotAscendia Bank auto loans start at 8.00% APR for a new vehicle. Rates checked October 22, 2026.
How Ascendia Bank’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where Ascendia Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
Ascendia Bank
8.00%APR
- Terms
- up to 60 months
- Discount
- None included
Automobile Loans
Lowest rate
Westchester Schools FCU
2.90%APR
- Terms
- up to 72 months
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Ascendia Bank auto loan score
60
Auto loan score
Higher than 1% of U.S. banks and credit unions
- New vehicleNew8.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Ascendia Bank 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.
Automobile Loans
Maximum loan amount: $50,000. No application or processing fees. 1/4% rate reduction if payments are automatically deducted from Ascendia Bank checking/savings account. All loans subject to credit approval. New vehicles: 15% down payment required. Used vehicles cannot be more than 4 years old; maximum loan amount: 75% of cost or book value, whichever is less.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.00% | New vehicles. 15% down payment required. Maximum loan amount $50,000. 1/4% rate reduction if payments are automatically deducted from Ascendia Bank checking/savings account. Monthly payment per $1,000 borrowed is $30.88. |
| up to 48 months | 7.50% | New vehicles. 15% down payment required. Maximum loan amount $50,000. 1/4% rate reduction if payments are automatically deducted from Ascendia Bank checking/savings account. Monthly payment per $1,000 borrowed is $24.18. |
| up to 60 months | 8.00% | New vehicles. 15% down payment required. Maximum loan amount $50,000. 1/4% rate reduction if payments are automatically deducted from Ascendia Bank checking/savings account. Monthly payment per $1,000 borrowed is $20.28. |
| up to 24 months | 7.00% | Used vehicles (cannot be more than 4 years old). Maximum loan amount 75% of cost or book value, whichever is less, up to $50,000. 1/4% rate reduction if payments are automatically deducted from Ascendia Bank checking/savings account. Monthly payment per $1,000 borrowed is $44.77. |
| up to 36 months | 7.50% | Used vehicles (cannot be more than 4 years old). Maximum loan amount 75% of cost or book value, whichever is less, up to $50,000. 1/4% rate reduction if payments are automatically deducted from Ascendia Bank checking/savings account. Monthly payment per $1,000 borrowed is $31.11. |
| up to 48 months | 8.00% | Used vehicles (cannot be more than 4 years old). Maximum loan amount 75% of cost or book value, whichever is less, up to $50,000. 1/4% rate reduction if payments are automatically deducted from Ascendia Bank checking/savings account. Monthly payment per $1,000 borrowed is $24.41. |
Sources (2)
All captured Oct 22, 2026
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