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 46–60 of 188 in New York · median 4.99% APR
- 4.49%APRas low as
Terms
as low as 4.49% for 60-month term
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - Mohawk Valley Federal Credit UnionNew Auto Loans (2 Years Old & Newer) · 49–66 months
Credit union · 2 branches
4.49%APRas low asTerms
Credit Grade A+ (730+)
Auto loan score 87 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as · up to 5.49%
4.49% APR, up to 5.49%
Terms
Rate based on creditworthiness and term of loan.
Auto loan score 86 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate includes .25% reduction for direct deposit, VISA credit card or automatic loan payment from your UGEFCU account.
Auto loan score 85 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New Auto (2024 & newer)
Auto loan score 83 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
New auto loan
Auto loan score 89 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As Low As 4.50% APR for Auto, Trucks, Boats, RV's, Motorcycles. Repayment terms available up to 84 Months. Low cost auto loans for both new and used cars. If you have Payroll Deduction into Checking / automatic payments from share draft checking account, rate includes a discount of 25 basis points (0.25%). Rates based on credit history and services with Credit Union.
Auto loan score 87 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model years 2023 & newer. Monthly payment per $1,000 is $18.64.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Requires 5%-40% down payment.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - Finger Lakes Health Care Federal Credit UnionAutomobile and Motorcycle - New (2025, 2026, 2027) · up to 60 months
Credit union · 1 branch
4.50%APRas low as · up to 15.00%4.50% APR, up to 15.00%
Terms
Rates range from 4.50% (Tier A+, 760 & above) to 15.00% (Tier D, 500-599) based on credit score.
Auto loan score 86 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.60%APRas low as
Terms
No Payments for 90 Days. Extended terms up to 84 months.
Auto loan score 88 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 4.68%APRas low as · up to 10.84%
4.68% APR, up to 10.84%
Terms
Rate based on creditworthiness and term of loan. Up to 72 month terms. Minimum credit score of 601. $20 application fee. No pre-payment penalties. Amount: up to $35,000. Financing up to 80% for purchases or 100% when refinancing.
Auto loan score 88 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.70%APRas low as
Terms
Rate disclosed is quoted for A+ credit and will be available starting 1/28/2026. Additional loyalty discounts may apply to reduce these rates further. Call us for details at 716-681-1460. Some restrictions may apply.
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.70%APRas low as
Terms
Vehicle year 2025 & newer; purchased or refinanced from another lender; credit history determines rate and term
Auto loan score 86 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
Quick Rates advertised as low as 4.74% for New and Used Vehicles.
Auto loan score 87 · Carrot Score 69
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