Compare Bank & Credit Union Rates
Best auto loan rates, new and used
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 16–30 of 99 in New York, NY-NJ metro · median 5.24% APR
- 4.49%APRas low as
Terms
Rates as low as.
Auto loan score 86 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Auto loan score 85
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
Requires 5%-40% down payment.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - Riegel Federal Credit UnionNew Vehicle (Car & Motorcycle) · up to 60 months
Credit union · 3 branches
4.59%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
'As Low As' rates include Riegel FCU Autopay discount, when applicable.
Auto loan score 81 · Carrot Score 71
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
APR as low as. Up to 60 months. $40.00 application fee.
Auto loan score 86 · Carrot Score 76
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
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
Term 49 to 60 months. APR based on credit worthiness, loan type, loan to value and term of loan. Vehicle retail value must be $5,000 or greater.
Auto loan score 85 · Carrot Score 87
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
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 - XCEL Federal Credit UnionNew Auto / Truck / Motorcycle Loans · up to 60 months
Credit union · 2 branches
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 - 4.99%APRas low as · up to 10.49%
4.99% APR, up to 10.49%
Terms
Model Year 2025–2027. Up to $65,000. Rate varies by vehicle and creditworthiness.
Auto loan score 83 · 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, NY-NJ metro
99 banks and credit unions · checked Oct 16–22
- Typical
- 5.24%
- Top 10% up to
- 4.25%
- Banks, typical
- 6.49%
- Credit unions, typical
- 5.00%
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, NY-NJ metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Quorum Federal Credit UnionCredit union · 1 branch
- BTG Pactual Bank, National AssociationBank · 1 branch
- USALLIANCE FinancialCredit union · 3 branches