Bank · FDIC insured
Unity Bank Auto Loan Rates
Unity Bank auto loans start at 8.13% APR for a new vehicle and 9.13% for a used one. Rates checked October 22, 2026.
How Unity Bank’s auto loan rates compare
Compared with banks and credit unions near New York, NY-NJ, where Unity Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
Unity Bank
8.13%APR
- Terms
- 12–60 months
- Discount
- None included
New Auto Loans (2026)
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
Unity Bank auto loan score
60
Auto loan score
Higher than 1% of U.S. banks and credit unions
- New vehicleNew8.13%
- Used vehicleUsed9.13%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Unity 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.
New Auto Loans (2026)
Minimum loan amount of $10,000 and must pay 10% down payment from purchase price (excluding taxes, registration etc.). All rates listed above are eligible for a 0.250% preferred rate reduction with automatic payment deducted from a checking or savings account at Unity Bank. Minimum loan term is 12 months for all types of loans.
| Terms | APR | Conditions |
|---|---|---|
| 12–60 months | 8.13% | Term range: 12-60 months. Eligible for a 0.250% preferred rate reduction with automatic payment deducted from a checking or savings account at Unity Bank. |
| 61–72 months | 8.50% | Term range: 61-72 months. Eligible for a 0.250% preferred rate reduction with automatic payment deducted from a checking or savings account at Unity Bank. |
Sources (1)
- unitybank.com/personal/lending…me-equity-personal-loans · captured Oct 15, 2026
Used Auto Loans (2021 to 2022)
Minimum loan amount of $5,000 and loan based on wholesale value from NADA book. All rates listed above are eligible for a 0.250% preferred rate reduction with automatic payment deducted from a checking or savings account at Unity Bank. Minimum loan term is 12 months for all types of loans.
| Terms | APR | Conditions |
|---|---|---|
| 12–48 months | 9.50% | Term range: 12-48 months. Eligible for a 0.250% preferred rate reduction with automatic payment deducted from a checking or savings account at Unity Bank. |
Sources (1)
- unitybank.com/personal/lending…me-equity-personal-loans · captured Oct 15, 2026
Used Auto Loans (2023 to 2025)
Minimum loan amount of $5,000 and loan based on wholesale value from NADA book. All rates listed above are eligible for a 0.250% preferred rate reduction with automatic payment deducted from a checking or savings account at Unity Bank. Minimum loan term is 12 months for all types of loans.
| Terms | APR | Conditions |
|---|---|---|
| 12–60 months | 9.13% | Term range: 12-60 months. Eligible for a 0.250% preferred rate reduction with automatic payment deducted from a checking or savings account at Unity Bank. |
Sources (1)
- unitybank.com/personal/lending…me-equity-personal-loans · captured Oct 15, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.