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 31–45 of 188 in New York · median 4.99% APR
- 4.09%APRas low as · up to 13.14%with conditions
4.09% APR, up to 13.14%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes up to 0.90% discount. Rates based on creditworthiness and percentage down.
Auto loan score 92 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low as
Terms
For model years 2023 and newer.
Auto loan score 93 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - Educational & Governmental Employees Federal Credit UnionNew Vehicle Loans · up to 84 months
Credit union · 2 branches
4.24%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Promotional rate extended through August 15, 2026 (applications must be received between July 1, 2026, and August 15, 2026). Includes 0.25% reduction for Auto Pay from E&G checking account. Rate assumes A credit.
Auto loan score 89 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - High Point Federal Credit UnionWinter Auto Purchase Special · up to 72 months
Credit union · 4 branches
4.24%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Valid on approved purchase loans for credit scores of 680 or better, LTV of 105% or less (excluding warranty), vehicle age of 2020 or newer and 72 month term or less. Paperless payment required. Rate includes 0.25% discount for auto transfer of payment. Offer valid 11/29/24 – 12/31/24.
Auto loan score 89 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - First New York Federal Credit UnionNew Auto Loan: 2021-2027 Model Years · up to 60 months
Credit union · 9 branches
4.24%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate as low as 4.24% APR. Reflects 0.25% automatic payment discount.
Auto loan score 87 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
2026 – 25 models; New Car = 2026 and 25 year models, less than or equal to 10,000 miles
Auto loan score 90 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as · up to 12.25%with conditions
4.25% APR, up to 12.25%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Maximum Discount Rate as low as 3.50% for an A borrower with all maximum rate discounts applied (0.75%).
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
Rate is as low as 4.25%; subject to credit approval. Applicants not approved at these rates or terms may be offered credit at a higher rate and/or different terms.
Auto loan score 89 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
New Automobiles & Motorcycles 2023-2027.
Auto loan score 88 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as · up to 14.50%
4.25% APR, up to 14.50%
Terms
Rates are based on individual credit history and term.
Auto loan score 87 · Carrot Score 75
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 - 4.39%APRas low aswith conditions
This rate needs autopay.
Terms
With Auto Pay Discount. Same rate on NEW or USED vehicles. As low as rate based on creditworthiness.
Auto loan score 89 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
APR with discount as low as 3.99%.
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
Lowest rates based on \"A\" credit rating.
Auto loan score 89 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - New York Times Employees' Credit UnionNew and 1 Year Old Models under 20,000 miles · 36–72 months
Credit union · 2 branches
4.49%APRas low asAuto loan score 88 · 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