Compare Bank & Credit Union Rates
Best auto loan rates in Amherst, NY
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 16–30 of 35 in Erie County, NY · median 4.95% APR
- 4.74%APRas low as
Terms
New Models (2026-2022)
Auto loan score 82 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - Williamsville Federal Credit UnionAuto Loans – New 2025-2026 · up to 60 months
Credit union · 1 branch
4.80%APRas low asTerms
New 2025-2026. Maximum $45,000. Lease buyouts and refinances are not offered.
Auto loan score 80 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 4.95%APRas low as
Terms
New car loans (2025-2027 models). 60 months term.
Auto loan score 86 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Auto loan score 75 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.04%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes 0.50% discount for auto pay from a CCFCU checking or savings account. Promotion includes no payments for 60 days. Rates as low as 5.04% APR.
Auto loan score 72 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - Ukrainian Federal Credit UnionNew Auto Loan (vehicle year 2025 - 2026) · up to 60 months
Credit union · 2 branches
5.25%APRas low as · up to 6.25%with conditions5.25% APR, up to 6.25%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Maximum term 5 years. Base APR is 6.25%; APR as low as 5.25% includes up to 1.00% relationship discount based on approved credit.
Auto loan score 73 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Published rates for credit scores 680-779. Model years 2026-2027.
Auto loan score 72 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - Griffith Institute Employees Federal Credit UnionNew Auto Loans · up to 72 months
Credit union · 1 branch
5.25%APRas low asTerms
Terms up to 72 months.
Auto loan score 71 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 5.35%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Fixed APR with automatic payment deducted from Checking Account or Automatic Loan Payment Share account. APR varies depending on credit history. Best rates shown.
Auto loan score 68 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Advertised 'as low as' rate reflects a 2-year term with A+ paper (TransUnion score of 720+). Includes 1.00% APR sale discount and 0.25% direct deposit and recurring automatic loan transfer discount. Model years 2006 and older.
Auto loan score 73 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Same Rate for new, used; refinanced or lease buyout:
Auto loan score 73 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Advertised as low as rate includes 0.50% discount for disclosing intention to purchase electric vehicle at application. Based on credit history evaluation.
Auto loan score 70 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.59%APRas low as
Terms
Model Yr 2024-26; Save an additional 0.25% with 25% equity in vehicle
Auto loan score 71 · Carrot Score 98
Rate checked · Auto loans rates on its site
Rates and branches - 5.64%APRas low as
Terms
Advertised as-low-as APR assumes excellent borrower credit history and is specific to VA. Advertised rate does not include additional BofA Rewards interest rate discount of 0.10% to 0.50%. Rate guaranteed for 30 days from application approval.
Auto loan score 66 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as
Terms
Based on 60 months and $45,000 financing amount with $0 down payment for online applicants with excellent credit. Rate discount of 0.25% may be available for Chase customers maintaining an average daily combined balance of $150,000 or more across eligible accounts.
Auto loan score 64 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches
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 Erie County, NY
35 banks and credit unions · checked Oct 16–22
- Typical
- 4.95%
- Top 10% up to
- 3.85%
- Banks, typical
- 6.79%
- Credit unions, typical
- 4.72%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Buffalo, NY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Ontario Shores FCUCredit union · 4 branches
- SJP Federal Credit UnionCredit union · 1 branch
- Niagara's ChoiceCredit union · 5 branches