Compare Bank & Credit Union Rates
Best auto loan rates in New York
Compare the lowest advertised APRs for new and used vehicle loans from banks and credit unions, with terms, conditions and original sources.
Top new-car loan rates
Showing 1–15 of 188 in New York · median 4.99% APR
- 1.90%APRas low as
Terms
2024 or newer model year vehicles; A+ and A credit scores. Promotional rate valid through October 31, 2026. Rate is as low as and is based on credit score, membership, loan term, and vehicle eligibility.
Auto loan score 87 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 2.90%APRas low as
Terms
Call for details, conditions, or restrictions. Call about dealer matching program.
Auto loan score 99 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 3.50%APRas low as
Terms
Model Year 2025 or Newer.
Auto loan score 98 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 3.50%APRas low as
Terms
Rates as low as. GREAT RATES! FLEXIBLE TERMS! AVAILABLE 24/7!
Auto loan score 98 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 3.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate as low as disclosed applies when automatic payment from the PSFCU Checking Account is selected; rates are 0.25% higher without automatic payment. The rate you receive will be based upon your credit history, collateral, and loan character.
Auto loan score 93 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 3.70%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate includes 0.25% auto pay discount. Subject to creditworthiness. Applies to new and used auto loans.
Auto loan score 96 · Carrot Score 97
Rate checked · Auto loans rates on its site
Rates and branches - 3.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model years 2022-2026, any make/model. Includes 0.25% discount with automatic payment from a Sunmark checking account and monthly direct deposit of at least $500. Term up to 60 months. Up to 115% Kelly Blue Book value. Minimum loan amount $2,500. Payment calculation based on $18.30 per $1,000 borrowed on a $30,000 loan for 60 months.
Auto loan score 94 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 3.75%APRas low as
Terms
Rate based on creditworthiness and term of loan.
Auto loan score 97 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 3.79%APRas low as
Terms
For model years 2021 and newer. Rate quoted is the lowest available rate and will vary based on creditworthiness and term. No down payment required. Finance up to 110% of vehicle price.
Auto loan score 93 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 3.84%APRas low as
Terms
Rates as low as stated APR. Assumes excellent credit. In partnership with TrueCar.
Auto loan score 91 · Carrot Score 96
Rate checked · Auto loans rates on its site
Rates and branches - 3.90%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Auto loan score 96 · Carrot Score 99
Rate checked · Auto loans rates on its site
Rates and branches - 2.74%APRas low aswith conditionsunusually low · being checked
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Applies to new/used model years 2026–2027. Rate reflects direct deposit and autopay. Fall Auto Loan Sale promotional rate valid Sept. 17–Oct. 31, 2026; loans must be booked by Nov. 7, 2026.
Auto loan score 94 · Carrot Score 96
Rate checked · Auto loans rates on its site
Rates and branches - 2.99%APRas low asunusually low · being checked
Terms
Rates as low as 2.99% APR offered September through November. Apply now through 11/25/26.
Auto loan score 94
Rate checked · Auto loans rates on its site
Rates and branches - 2.99%APRas low asunusually low · being checked
Terms
NEW AUTO 2026 and newer
Auto loan score 94 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Each institution’s lowest advertised APR for the vehicle, at terms that reach 60 months: usually its best-credit rate, so yours depends on your credit, the term and the vehicle. A rate that needs autopay, a checking account or similar says “with conditions”; More filters can leave those out. Refinance, lease buyout, recreational and promotional rates that have ended are left out, and a rate far below what other lenders advertise is listed lower down until it’s checked. Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates. How we rank
What new auto loans cost in New York
188 banks and credit unions · checked Oct 16–22
- Typical
- 4.99%
- Top 10% up to
- 3.99%
- Banks, typical
- 6.50%
- Credit unions, typical
- 4.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
New York
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Ontario Shores FCUCredit union · 5 branches
- Quorum Federal Credit UnionCredit union · 1 branch
- SJP Federal Credit UnionCredit union · 1 branch