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 166–180 of 188 in New York · median 4.99% APR
- 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 - 6.25%APRas low as
Terms
Current year with < 5,000 miles or next model year with < 100 miles.
Auto loan score 63 · Carrot Score 61
Rate checked · Auto loans rates on its site
Rates and branches - 6.49%APRas low as
Auto loan score 62 · Carrot Score 87
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 62
Rate checked · Auto loans rates on its site
Rates and branches - Tompkins Employees FCUNew Automobile Loans (models 2022-2026) · up to 60 months
Credit union · 1 branch
6.75%APRas low as · up to 16.25%6.75% APR, up to 16.25%
Terms
Credit tiers: A Plus (730 Plus) to E (Below 549)
Auto loan score 62 · Carrot Score 68
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 - 6.99%APRas low as
Terms
Rates as low as. Monthly payment of $17.05 per $1,000 borrowed.
Auto loan score 61 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - Van Cortlandt Cooperative Federal Credit Union (VCCFCU)New Vehicles · 48–60 months
Credit union · 1 branch
6.99%APRas low asTerms
5 year Automobile Loan; maximum amount financed up to 100%
Auto loan score 61 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 7.00%APRas low as
Terms
Model Year: 2024-2023; Credit Score: 740 Plus
Auto loan score 62 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 7.00%APRas low as
Terms
Credit score 740 & Above; 0% Down Payment
Auto loan score 61 · Carrot Score 63
Rate checked · Auto loans rates on its site
Rates and branches - 7.00%APRas low as · up to 8.50%
7.00% APR, up to 8.50%
Terms
For newer models.
Auto loan score 61 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 7.00%APRas low as
Auto loan score 61 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 7.26%APRas low as
Terms
Interest rate is 7.250%.
Auto loan score 61 · Carrot Score 61
Rate checked · Auto loans rates on its site
Rates and branches - 7.50%APRas low as · up to 17.50%with conditions
7.50% APR, up to 17.50%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Lowest APR is a result of all available rate discounts such as down payment and direct deposit. Not all borrowers will qualify for the lowest APR.
Auto loan score 61 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 7.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Base Rate/APR. Rates quoted require automatic payment set up from CCB checking or savings; add 0.25% if no AFT.
Auto loan score 60 · Carrot Score 64
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 16–23
- 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