Bank · FDIC insured
Solvay Bank Auto Loan Rates
Solvay Bank auto loans start at 5.52% APR for a new vehicle and 5.52% for a used one. Rates checked October 16, 2026.
How Solvay Bank’s auto loan rates compare
Compared with banks and credit unions near Syracuse, NY, where Solvay Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
Solvay Bank
5.52%APR
- Terms
- 37–66 months
Consumer Installment Auto Loan
Lowest rate
Access Federal Credit Union
3.99%APR
- Terms
- 49–60 months
2nd-lowest rate
G.P.O. Federal Credit Union
3.99%APR
- Terms
- 61–66 months
Solvay Bank auto loan score
72
Auto loan score
Higher than 31% of U.S. banks and credit unions
- New vehicleNew5.52%
- Used vehicleUsed5.52%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Solvay 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.
Consumer Installment Auto Loan
Advertised APR is based on a $30,000 loan for the highest term available and is discounted 0.25% for Solvay Bank account holders with automatic payments from a Direct Rewards, Emerald, or High Interest checking accounts. The actual rate may vary and is determined by the product, term, loan amount, and your credit qualifications. Additional terms and conditions may apply. The APRs for titled vehicles include a $25 VSI fee. Offer is subject to credit approval. All rates and terms are subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.25% | New Auto - 2025-2027. Minimum loan amount $2,000 on terms up to 75 months. Advertised APR includes 0.25% discount for automatic payments from Direct Rewards, Emerald, or High Interest checking. |
| 37–66 months | 5.52% | New Auto - 2025-2027. Minimum loan amount $2,000 on terms up to 75 months. Advertised APR includes 0.25% discount for automatic payments from Direct Rewards, Emerald, or High Interest checking. |
| 67–72 months | 5.72% | New Auto - 2025-2027. Minimum loan amount $2,000 on terms up to 75 months. Advertised APR includes 0.25% discount for automatic payments from Direct Rewards, Emerald, or High Interest checking. |
| 73–75 months | 5.97% | New Auto - 2025-2027. Minimum loan amount $2,000 on terms up to 75 months. Advertised APR includes 0.25% discount for automatic payments from Direct Rewards, Emerald, or High Interest checking. |
| 76–84 months | 6.47% | New Auto - 2025-2027. Minimum loan amount $25,000 on terms 76-84 months. Advertised APR includes 0.25% discount for automatic payments from Direct Rewards, Emerald, or High Interest checking. |
| up to 36 months | 5.30% | Used Auto - 2025-2027. Minimum loan amount $2,000 on terms up to 75 months. Advertised APR includes 0.25% discount for automatic payments from Direct Rewards, Emerald, or High Interest checking. |
| 37–66 months | 5.62% | Used Auto - 2025-2027. Minimum loan amount $2,000 on terms up to 75 months. Advertised APR includes 0.25% discount for automatic payments from Direct Rewards, Emerald, or High Interest checking. |
| 67–72 months | 5.82% | Used Auto - 2025-2027. Minimum loan amount $2,000 on terms up to 75 months. Advertised APR includes 0.25% discount for automatic payments from Direct Rewards, Emerald, or High Interest checking. |
| 73–75 months | 6.07% | Used Auto - 2025-2027. Minimum loan amount $2,000 on terms up to 75 months. Advertised APR includes 0.25% discount for automatic payments from Direct Rewards, Emerald, or High Interest checking. |
| 76–84 months | 6.57% | Used Auto - 2025-2027. Minimum loan amount $25,000 on terms 76-84 months. Advertised APR includes 0.25% discount for automatic payments from Direct Rewards, Emerald, or High Interest checking. |
| up to 66 months | 5.72% | Auto - 2023-2024. Minimum loan amount $2,000 on terms up to 75 months. Advertised APR includes 0.25% discount for automatic payments from Direct Rewards, Emerald, or High Interest checking. |
| 67–72 months | 5.97% | Auto - 2023-2024. Minimum loan amount $2,000 on terms up to 75 months. Advertised APR includes 0.25% discount for automatic payments from Direct Rewards, Emerald, or High Interest checking. |
| 73–75 months | 6.12% | Auto - 2023-2024. Minimum loan amount $2,000 on terms up to 75 months. Advertised APR includes 0.25% discount for automatic payments from Direct Rewards, Emerald, or High Interest checking. |
| up to 66 months | 6.02% | Auto - 2021-2022. Minimum loan amount $2,000 on terms up to 75 months. Advertised APR includes 0.25% discount for automatic payments from Direct Rewards, Emerald, or High Interest checking. |
| 67–72 months | 6.27% | Auto - 2021-2022. Minimum loan amount $2,000 on terms up to 75 months. Advertised APR includes 0.25% discount for automatic payments from Direct Rewards, Emerald, or High Interest checking. |
| 73–75 months | 6.47% | Auto - 2021-2022. Minimum loan amount $2,000 on terms up to 75 months. Advertised APR includes 0.25% discount for automatic payments from Direct Rewards, Emerald, or High Interest checking. |
| up to 48 months | 7.78% | Auto - 2019-2020. Minimum loan amount $2,000 on terms up to 75 months. Advertised APR includes 0.25% discount for automatic payments from Direct Rewards, Emerald, or High Interest checking. |
Sources (1)
- solvaybank.com/dummy-products/12-month-cd.html · captured Oct 16, 2026
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