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 91–105 of 188 in New York · median 4.99% APR
- 4.99%APRas low as
Terms
Rates based on a credit score of 730 or higher. Lower rates may apply for terms less than 60 months. Certain terms and restrictions may apply. Rates subject to change without notice.
Auto loan score 80 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - Heritage Family Credit UnionNew Auto Loan Rate (Model Year 2025 and Newer) · up to 60 months
Credit union · 1 branch
4.99%APRas low asAuto loan score 79 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - Spencerport Federal Credit UnionNew & Used Auto – 2024 & Newer (includes motorcycles) · up to 60 months
Credit union · 1 branch
4.99%APRas low asTerms
Rates are subject to change and are dependent upon credit approval. Max $100k
Auto loan score 79 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates shown are lowest available for 60 month terms. Lower rates for shorter terms available but creditworthiness ultimately determines rate offer. Rates subject to change without notice. Up to 100% financing.
Auto loan score 78 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
- Ocean Financial Federal Credit UnionAuto Loans (2026-2027) · up to 66 months
Credit union · 4 branches
4.99%APRas low asTerms
Estimated monthly payment of $17.36 per $1,000.00 borrowed for new car terms of 66 months. Minimum auto loan is $1,000.
Auto loan score 78 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 19.49%
4.99% APR, up to 19.49%
Terms
Model Year (Years 2024 & Newer); APR will vary from 4.99% APR to 19.49% APR based on past credit history and year of vehicle
Auto loan score 77 · Carrot Score 73
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
Advertised 'as low as' rate assumes excellent borrower credit history. Best loan rates include a 0.25 percentage-point direct deposit rate discount when a Qualifying Direct Deposit is established on an Everyday Hero Checking account within 60 days of loan funding. Current model year (max 5,000 miles). Term 37-60 months. Minimum loan amount $10,000.
Auto loan score 71 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Newer Vehicles (2023 - 2026). Rate determined by credit score, loan term, vehicle model year and mileage, and loan-to-value. Actual loan term available is determined based on model year and loan amount requirements.
Auto loan score 82 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Maximum Loan-to-Value 100%.
Auto loan score 77 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Credit Score: A+ (750 & Higher)
Auto loan score 76 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Auto loan score 75 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as · up to 12.25%
5.00% APR, up to 12.25%
Terms
Tiered by credit rating: A+ (775+): 5.00%, A (700-774): 5.60%, B (650-699): 7.00%, C (600-649): 9.75%, D (550-599): 12.25%. Call for credit scores 549 or less.
Auto loan score 73 · Carrot Score 63
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as · up to 10.00%with conditions
5.00% APR, up to 10.00%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Tier A through E; applies to automatic payment or payroll deduction; add 0.50% for other payment options. GAP insurance required for 100% financing.
Auto loan score 72 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.04%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
2022 & newer models. Rate includes 0.25% Auto Pay discount with automatic payment.
Auto loan score 76 · Carrot Score 80
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