Bank · FDIC insured
Wayne Bank Auto Loan Rates
Wayne Bank auto loans start at 7.68% APR for a new vehicle and 8.28% for a used one. Rates checked October 16, 2026.
How Wayne Bank’s auto loan rates compare
Compared with banks and credit unions near Monticello, NY, where Wayne Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
Wayne Bank
7.68%APR
- Terms
- up to 72 months
- Discount
- Included in the rate
Automobile Loans
Lowest rate
Hudson Valley Credit Union
5.64%APR
- Terms
- up to 84 months
- Discount
- None included
2nd-lowest rate
Chase
6.24%APR
- Terms
- up to 60 months
- Discount
- None included
Wayne Bank auto loan score
60
Auto loan score
Higher than 2% of U.S. banks and credit unions
- New vehicleNew7.68%
- Used vehicleUsed8.28%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Wayne 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
Assumes loan amount of $25,000 for new automobiles and $10,000 for used automobiles, minimum credit score of 720, monthly payment automatically deducted from a Wayne Bank checking account, and includes a $125 loan documentation fee. The APR will increase by .25% if the automatic payment deduction is not selected or is terminated. For new automobiles and used automobiles over 5 model years, the APR will increase by 1.00%. Higher interest rates and APRs are in effect for lower credit scores. APRs and interest rates are subject to change without notice. All loans are subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 7.68% | New vehicles; 72 months term; assumes $25,000 loan amount, minimum credit score of 720, auto-deduction from Wayne Bank checking account, $125 loan documentation fee. APR increases by .25% without automatic deduction, and by 1.00% for vehicles over 5 model years. Monthly payment per $1,000 borrowed is $17.29. |
| up to 60 months | 8.28% | Used vehicles; 60 months term; assumes $10,000 loan amount, minimum credit score of 720, auto-deduction from Wayne Bank checking account, $125 loan documentation fee. APR increases by .25% without automatic deduction, and by 1.00% for vehicles over 5 model years. Monthly payment per $1,000 borrowed is $20.16. |
Sources (2)
All captured Oct 16, 2026
Motorcycle Loans
Assumes loan amount of $25,000 for new motorcycles and $10,000 for used motorcycles, minimum credit score of 720, monthly payment automatically deducted from a Wayne Bank checking account, and includes a $125 loan documentation fee. The APR will increase by .25% if the automatic payment deduction is not selected or is terminated. Used motorcycles 5 model years or newer are eligible. Higher interest rates and APRs are in effect for lower credit scores. APRs and interest rates are subject to change without notice. All loans are subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 9.48% | New motorcycles; 60 months term; assumes $25,000 loan amount, minimum credit score of 720, auto-deduction from Wayne Bank checking account, $125 loan documentation fee. APR increases by .25% without automatic deduction. Monthly payment per $1,000 borrowed is $20.89. |
| up to 48 months | 10.42% | Used motorcycles; 48 months term; used motorcycles 5 model years or newer are eligible; assumes $10,000 loan amount, minimum credit score of 720, auto-deduction from Wayne Bank checking account, $125 loan documentation fee. APR increases by .25% without automatic deduction. Monthly payment per $1,000 borrowed is $25.25. |
Sources (1)
- wayne.bank/your-bank/rates · captured Oct 16, 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.