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 76–90 of 188 in New York · median 4.99% APR
- Williamsville Federal Credit UnionAuto Loans – New 2025-2026 · up to 60 months
Credit union · 1 branch
4.80%APRas low asTerms
New 2025-2026. Maximum $45,000. Lease buyouts and refinances are not offered.
Auto loan score 80 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - XCEL Federal Credit UnionNew Auto / Truck / Motorcycle Loans · up to 60 months
Credit union · 1 branch
4.89%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
With Direct Deposit. Standard Auto/Truck. Rate includes 0.50% direct deposit discount (minimum $500/month).
Auto loan score 77 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.95%APRas low as
Terms
New car loans (2025-2027 models). 60 months term.
Auto loan score 86 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates are shown as low as. Credit Union Membership required with a $1.00 minimum deposit and $1.00 membership fee.
Auto loan score 83 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Loan terms and rates based upon applicant's credit history, score, loan term, collateral if applicable, verifiable income, and financing options. Rates subject to change at any time.
Auto loan score 83 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
New Car Rates as low as 4.99%. Terms up to 72 months.
Auto loan score 83 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Auto loan score 83 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates as low as 4.99% APR. Up to 84 months to pay on new vehicles, finance up to $65,000. Limited time extra 0.25% APR off on Electric Vehicle (EV) purchases.
Auto loan score 83 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
APR as low as; actual rate determined by credit qualifications and chosen term, subject to credit approval; rates may change at any time.
Auto loan score 83 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
$5 credit union membership deposit required. Vehicles older than 6 years receive personal loan rates. Finance up to 125% of MSRP for new or JD Power retail value for used vehicles (LTV 95% to 125%). Promotional cash back of $500 on approved new/used auto loans (min $20,000 financed) or $150 cash back on approved refinanced auto loans (min $20,000 refinanced).
Auto loan score 83 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Available on qualifying new and used auto purchase loans. Actual APR depends on creditworthiness, vehicle information, loan amount, and other underwriting criteria. No prepayment penalties.
Auto loan score 83 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates as low as 4.99%, dependent upon creditworthiness, credit history and other factors. No maximum loan amounts.
Auto loan score 82 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Estimated payment per $1,000.00 is $16.88. Includes a 1.00% discount when eligible products and services are added.
Auto loan score 81 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - Auburn Community Federal Credit UnionNew Auto Loan (Model Years 2024 and Newer) · 49–60 months
Credit union · 4 branches
4.99%APRas low asAuto loan score 80 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Auto loan score 80 · Carrot Score 86
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