Compare Bank & Credit Union Rates
Best auto loan rates in Newburgh, 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 1–12 of 12 in Orange County, NY · median 5.44% APR
- 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 - 4.29%APRas low as
Terms
As low as rate for 37-60 months on new vehicles (2025 and newer model years). Assumes excellent credit.
Auto loan score 88 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As Low As 4.50% APR for Auto, Trucks, Boats, RV's, Motorcycles. Repayment terms available up to 84 Months. Low cost auto loans for both new and used cars. If you have Payroll Deduction into Checking / automatic payments from share draft checking account, rate includes a discount of 25 basis points (0.25%). Rates based on credit history and services with Credit Union.
Auto loan score 87 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Years 2026-2025. Advertised rate is lowest offered / as low as and includes a 0.25% rate discount for automatic payments for the life of the loan. APR is based on creditworthiness, term, vehicle model year, and mileage. Maximum APR 18%. Flexible terms up to 84 months.
Auto loan score 81 · Carrot Score 85
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
Model year 2024 or newer. Reflects 0.25% auto-pay discount.
Auto loan score 76 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - Heritage Financial Credit UnionTier 1 Auto (Model Years 2024-Present) · up to 84 months
Credit union · 9 branches
5.24%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Fixed APR as low as 5.24%. Includes 0.50% discount for automatic payments. Maximum term is 84 months.
Auto loan score 71 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.64%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Fixed APR for New & Used (model year 2024 & newer). Up to 125% of LTV. Rate includes 0.25% autopay discount. Terms up to 7 years (84 months). Rates as low as stated based on credit evaluation.
Auto loan score 71 · Carrot Score 63
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 - 5.69%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as for 37-66 months. Rate special reflects a 0.25% autopay discount for automatic payments from MHV checking or savings; based on credit, term of loan, and/or year of vehicle.
Auto loan score 65 · Carrot Score 69
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 - 6.50%APRas low as
Terms
As low as rate. Terms available: 36, 48, 60, 72, 84 months. Minimum loan amount of $2,500.
Auto loan score 62 · Carrot Score 61
Rate checked · Auto loans rates on its site
Rates and branches - 6.79%APRas low as · up to 15.69%with conditions
6.79% APR, up to 15.69%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
To qualify for the lowest APR available (6.79%): term must be 48 months or less; collateral model year must be 2025 or newer; must have or open an M&T MyChoice Premium or Power Checking account at time of application; and automatic payment deductions from any M&T checking account must be established. Terms up to 84 months available.
Auto loan score 62 · 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 Orange County, NY
12 banks and credit unions · checked Oct 16–22
- Typical
- 5.44%
- Top 10% up to
- 4.31%
- Banks, typical
- 6.24%
- Credit unions, typical
- 4.74%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Kiryas Joel, NY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- PenFed Credit UnionCredit union · 2 branches
- International Bank of ChicagoBank · 1 branch
- Navy Federal Credit UnionCredit union · 1 branch