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 151–165 of 188 in New York · median 4.99% APR
- 5.74%APRas low as
Auto loan score 68 · Carrot Score 63
Rate checked · Auto loans rates on its site
Rates and branches - First Heritage Federal Credit UnionNew Vehicle 2023 - Newer · up to 66 months
Credit union · 6 branches
5.74%APRas low asAuto loan score 66 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as · up to 17.74%
5.74% APR, up to 17.74%
Terms
Model year 2025 & newer. Rates range from Base (5.74%) up to +1200 tier (17.74%) depending on credit score.
Auto loan score 66 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Terms
New vehicles only; loan terms up to 84 months.
Auto loan score 80 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Terms
Rate advertised as low as 5.75% APR. Terms up to 72 months. Purchase and refinance loans, new or used vehicles.
Auto loan score 68 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Auto loan score 67 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as · up to 8.75%
5.75% APR, up to 8.75%
Terms
Secured loan. Loan to value: 100% of INV OR NADA RETAIL. Model years 2027-2024. Tier 1 (score 700+) rate is 5.75%, Tier 2 (650-699) adds 1% (6.75%), Tier 3 (649 and below) adds 3% (8.75%). Joint applicants based on higher score. VSI Insurance applied based on credit score.
Auto loan score 65 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Terms
APR as low as 5.75% for 60-75 months. Determined by credit history. Example: new auto loan of $20,000 for 60 months @ 5.75% APR may have a monthly payment of $385.20.
Auto loan score 65 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.77%APRas low as
Terms
As low as rate for a new Capital One auto loan in October for individuals with excellent credit characteristics.
Auto loan score 65 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - Chen-Del-O Federal Credit UnionVehicle Loans (Includes Motorcycles) · up to 60 months
Credit union · 1 branch
5.79%APRas low asTerms
Model year: 2025 - New
Auto loan score 65 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
49 – 60 months; approximate payment $19.33 per $1000 financed
Auto loan score 64 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Preferred rate on your loan is offered on the condition that you maintain a checking account with us from which we may deduct your monthly payment as they come due.
Auto loan score 63 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - 6.00%APRas low as
Terms
Fixed rate starting at 6.00% APR for terms ranging from 6 months to 6 years (up to 6 years). Shorter loan terms qualify for lower rates.
Auto loan score 66 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 6.04%APRas low as
Terms
Model years 2026–2025; term up to 63 months. Stated APR/interest rate based on credit score 720 or above; other rates and terms also available. APR and payment examples based on a $10,000 loan with a $50 documentation prep fee using the greater term for the product. Up to 125% financing.
Auto loan score 65 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as
Terms
Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
Auto loan score 65 · Carrot Score 71
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