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 61–75 of 188 in New York · median 4.99% APR
- 4.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates shown offered to members meeting select credit criteria, including -.25% discount for Autopay. Other rates and terms available based on creditworthiness. For used cars, the age of the vehicle may limit maximum loan term.
Auto loan score 87 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
Rates as low as 4.74% APR. Maximum loan term not to exceed 84 months. Valid on new and used auto, motorcycle, power sports, residential equipment, marine, Paysaver auto loans, and recreational vehicle loans. Offer expires 8/31/26.
Auto loan score 87 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
Vehicle year 2023–2026. Without autopay discount.
Auto loan score 87 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - Niagara Falls Air Force Federal Credit UnionNew Vehicle Loans · up to 60 months
Credit union · 1 branch
4.74%APRas low as · up to 11.74%4.74% APR, up to 11.74%
Terms
Paper Grade A+ (720 and above) to D (475 - 599)
Auto loan score 82 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New and Used Vehicle — 2025 & Newer Model Years. Requires automatic payment.
Auto loan score 82 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - TrailNorth Federal Credit UnionAuto Loan - New & Late Model Used 6 Years or Newer · up to 60 months
Credit union · 3 branches
4.74%APRas low asAuto loan score 82 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
New Models (2026-2022)
Auto loan score 82 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Years 2026-2025. Advertised rate is lowest offered / as low as and includes a 0.25% rate discount for automatic payments for the life of the loan. APR is based on creditworthiness, term, vehicle model year, and mileage. Maximum APR 18%. Flexible terms up to 84 months.
Auto loan score 81 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Promotional rate valid 10/1/26–12/31/26. Refinancing an existing auto loan with NCPD Federal Credit Union does not qualify for this promotional rate, the refinance must be a new loan to NCPD FCU.
Auto loan score 85 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as · up to 8.25%
4.75% APR, up to 8.25%
Terms
Credit tiers A+ through C (Credit scores 600+)
Auto loan score 83 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Rate as low as. Terms greater than 60 months require a minimum loan amount of $20,000. Rates based on creditworthiness. Enroll in direct deposit to save 0.25%; receive extra 0.25% off with 20% equity in collateral.
Auto loan score 82 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - Canandaigua FCUNew Auto Loan or new vehicles up to 5000 miles · up to 60 months
Credit union · 1 branch
4.75%APRas low as · up to 6.25%4.75% APR, up to 6.25%
Auto loan score 82 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
With 700 Credit Score or above. Term 5 Year.
Auto loan score 82 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
APR as low as 4.75%. Rate based on creditworthiness and term of loan.
Auto loan score 81 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Auto loan score 80 · Carrot Score 83
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