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 46–60 of 99 in New York, NY-NJ metro · median 5.24% APR
- 5.00%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Up to 100% Purchase Price. Rate includes 0.25% reduction for automatic payments from Motion account.
Auto loan score 76 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Final rates are determined based on credit score and other factors.
Auto loan score 75 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 5.14%APRas low as
Terms
APR as low as based on creditworthiness and underwriting standards. Up to 0.50% rate discount for all-electric/plug-in electric vehicles and switching to eStatements.
Auto loan score 81 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.14%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Up to 90% LTV; assumes discounts for Auto Pay & Direct Deposit.
Auto loan score 74 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Rates as low as 5.24% APR quoted for the lowest tier, if qualified. Rates may vary and are subject to change. Up to 100% financing available.
Auto loan score 79 · Carrot Score 63
Rate checked · Auto loans rates on its site
Rates and branches - Self Reliance Financial Federal Credit UnionNew Vehicle Loan · 49–66 months
Credit union · 4 branches
5.24%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As low as APR requires automatic monthly payment. 49 to 66 months.
Auto loan score 79 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
As low as APR. Rates are valid as of October 1, 2026 and subject to change. Rates may vary based on terms as well as credit history. 0% to 20% down payment; terms between 36 and 84 months; new or used cars.
Auto loan score 79 · Carrot Score 97
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
As low as rate for terms 61 to 72 months. Rates vary based on creditworthiness, LTV, terms, and other factors.
Auto loan score 75 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - Advanced Financial Federal Credit UnionNew Vehicle/Motorcycle · up to 72 months
Credit union · 4 branches
5.25%APRas low asAuto loan score 72 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Auto loan score 72 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Auto loan score 72 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - Picatinny Federal Credit UnionNew Vehicle (car, truck, van) · up to 60 months
Credit union · 5 branches
5.25%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Advertised as low as 5.25% APR. Example monthly payment: $18.99 per month per $1,000 borrowed at 5.25% APR for 60 months. Includes 0.25% autopay discount.
Auto loan score 68 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.34%APRas low as · up to 20.69%with conditions
5.34% APR, up to 20.69%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Available to well-qualified applicants. Includes a 0.25% discount for automated payment from a PNC checking account set up at loan closing; rate increases 0.25% if automated payment is discontinued. Available for 2018-2027 model year non-commercial vehicles with up to 80,000 miles (up to 100,000 miles based on credit qualifications).
Auto loan score 71 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.39%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate available with Automatic Payment; sample payment of $19.05 per $1,000 borrowed based on maximum term.
Auto loan score 74 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.39%APRas low as
Terms
Payment example per $1,000 borrowed: $19.09.
Auto loan score 72 · Carrot Score 69
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