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 31–45 of 99 in New York, NY-NJ metro · median 5.24% APR
- First Financial Federal Credit UnionNew & Used Auto Loans - Model Year 2022 and Newer · up to 60 months
Credit union · 4 branches
4.99%APRas low asTerms
Model Year 2022 and Newer; Less than 75,000 miles. Rate as low as.
Auto loan score 83 · Carrot Score 65
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
Base rate for qualified borrowers.
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 - ILA Local 1235 Federal Credit UnionNEW AUTO - 100% DEALER INVOICE · up to 60 months
Credit union · 2 branches
4.99%APRas low asTerms
Rate varies based on credit score. Up to 100% dealer invoice financing. Subject to change without notice.
Auto loan score 80 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Auto loan score 79 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
As low as *4.99%†. Special limitations apply on all terms and rates.
Auto loan score 79 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
As low as rate. Other rates and terms apply.
Auto loan score 78 · Carrot Score 71
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 - 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 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
Loan amounts of $14,999 or lower have a maximum term of 60 months. Loan of $15,000 or higher have a maximum term of 84 months. APR as low as 5.00%.
Auto loan score 82 · Carrot Score 79
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?
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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