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 16–30 of 188 in New York · median 4.99% APR
- Access Federal Credit UnionVehicle Loans - Model Years 2024 and newer · 49–60 months
Credit union · 4 branches
3.99%APRas low asTerms
Rate is as low as stated. Rates and terms are determined by member's overall credit history.
Auto loan score 94 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
49 to 60 months. Advertised rate is as low as and determined by creditworthiness. At 3.99% APR with a 60-month term, you will make 60 monthly payments of $18.42 per $1,000 of the loan.
Auto loan score 94 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
Base rate for FICO score 680 and over. Risk based scoring adds up to +6.00% depending on credit tier.
Auto loan score 93 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Auto loan score 92 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
Starting as low as
Auto loan score 91 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Auto loan score 91 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
Up to $100,000.00.
Auto loan score 91 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as · up to 17.99%
3.99% APR, up to 17.99%
Terms
New models under 2 years old; terms up to 84 months; 100% financing.
Auto loan score 89 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate shown includes 0.25% automatic payment discount. Credit score determines rate. Financing up to 7 years (84 months).
Auto loan score 89 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate includes direct deposit discount of 0.25%. Promotional rates require Direct Deposit of $500 or more with auto deduction for loan payment.
Auto loan score 89 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate reflects 0.25% discount for automatic payment from a GE Credit Union account. Rate determined by credit history and term.
Auto loan score 86 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - Sweet Home Federal Credit UnionNew Automobile – Model years 2025 or newer · up to 72 months
Credit union · 1 branch
3.99%APRas low asTerms
As low as rate.
Auto loan score 86 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.00%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Disclosed consumer rate is for top tier credit (740+ score) for shortest available term and includes a 0.25% APR discount for having a checking account with direct deposit and automatic payment set up for the loan. Terms up to 84 months available for new or used vehicle purchase or refinance.
Auto loan score 94 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - Town of Hempstead Employees Federal Credit UnionNew Auto 2025-2026 · up to 60 months
Credit union · 2 branches
4.00%APRas low asTerms
As low as rate
Auto loan score 94 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.00%APRas low as
Terms
Loan Special at 4.00%
Auto loan score 89 · Carrot Score 89
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