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 136–150 of 188 in New York · median 4.99% APR
- 5.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Vehicle Models 2022-2026 (or 2022-2027); new vehicles only; includes 0.25% APR auto pay discount; credit score 740+
Auto loan score 80 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as · up to 10.00%
5.50% APR, up to 10.00%
Terms
$8,000+
Auto loan score 67 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.52%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New Auto - 2025-2027. Minimum loan amount $2,000 on terms up to 75 months. Advertised APR includes 0.25% discount for automatic payments from Direct Rewards, Emerald, or High Interest checking.
Auto loan score 72 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.53%APRas low as
Terms
Rates and payment examples assume excellent borrower credit history, a 60-month term and an LTV of 90% or less. Rate applies to loan amounts up to $100,000 (minimum loan amount $3,750). Terms up to 96 months and borrowing up to 115% LTV are available at higher rates based on creditworthiness. $20,000 minimum amount financed required for terms of 85-96 months. Optional payment deferral allows interest to accrue during 90-day period.
Auto loan score 68 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 5.54%APRas low as
Terms
2023 and newer vehicles. Fixed APR as low as 5.54%. Monthly Payment Per $1,000 Borrowed is $19.12 for maximum term of 6 Years.
Auto loan score 72 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 5.54%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes 0.25% reduction for automatic payments from an Affinity account.
Auto loan score 66 · Carrot Score 95
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 - 5.59%APRas low as
Terms
Vehicle: New & Used Autos (2027-2024)
Auto loan score 67 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.64%APRas low as
Terms
Vehicle condition and year: New, Used: 2026, 2025, 2024. Minimum Loan $4,000. Rate as low as. Actual interest rate based on overall creditworthiness. 0.25% reduction with online application, electronic closing and automatic payment.
Auto loan score 71 · Carrot Score 68
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 - 5.65%APRas low as
Terms
As low as 5.65%. Terms up to 84 months (7 years). Finance up to 100% of MSRP + sales tax for new vehicles.
Auto loan score 71 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - Mid-Hudson Valley Federal Credit UnionNew Vehicles Auto Loan · 37–66 months
Credit union · 12 branches
5.69%APRas low aswith conditionsThis 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 - 5.74%APRas low as · up to 17.99%
5.74% APR, up to 17.99%
Terms
Subsequent rate after 3-month promotional period for refinance loans. Rate determined based on credit history, model year, term, and location.
Auto loan score 69
Rate checked · Auto loans rates on its site
Rates and branches - Generations United Federal Credit UnionNEW AUTO LOAN (25-23) · up to 72 months
Credit union · 1 branch
5.74%APRas low asTerms
New (never titled) auto loans
Auto loan score 69 · Carrot Score 86
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 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