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 1–15 of 22 in New York · median 6.30% APR
- 4.99%APRas low as
Terms
Model Year - 2026/2025/2024. Rate and payment amount may vary according to credit history and other factors.
Auto loan score 83 · Carrot Score 85
Rate checked · Auto loans rates on its site
More details - 5.04%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model year 2024 or newer. Reflects 0.25% auto-pay discount.
Auto loan score 77 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 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 72 · Carrot Score 75
Rate checked · Auto loans rates on its site
More details - 5.52%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New Auto - 2025-2027. Minimum loan amount $2,000 on terms up to 75 months. Advertised APR based on a $30,000 loan for highest term available and discounted 0.25% with qualifying autopay. Includes $25 VSI fee.
Auto loan score 72 · Carrot Score 80
Rate checked · Auto loans rates on its site
More details - 5.64%APRas low as
Terms
Vehicle condition and year: New, Used: 2027, 2026, 2025. Minimum Loan $4,000. Rates as low as. Actual interest rate based on overall creditworthiness. 0.25% reduction with online application, electronic closing and automatic payment.
Auto loan score 68 · Carrot Score 68
Rate checked · Auto loans rates on its site
More details - 5.64%APRas low as
Terms
Advertised as-low-as APR assumes excellent borrower credit history and is specific to VA. Advertised rate does not include additional BofA Rewards interest rate discount of 0.10% to 0.50%. Rate guaranteed for 30 days from application approval.
Auto loan score 66 · Carrot Score 64
Rate checked · Auto loans rates on its site
More details - 5.75%APRas low as · up to 8.75%
5.75% APR, up to 8.75%
Terms
Secured loan. Loan to value: 100% of INV OR NADA RETAIL. Model years 2027-2024. Tier 1 (score 700+) rate is 5.75%, Tier 2 (650-699) adds 1% (6.75%), Tier 3 (649 and below) adds 3% (8.75%). Joint applicants based on higher score. VSI Insurance applied based on credit score.
Auto loan score 65 · Carrot Score 79
Rate checked · Auto loans rates on its site
More details - 5.77%APRas low as
Terms
As low as rate for a new Capital One auto loan in October for individuals with excellent credit characteristics.
Auto loan score 65 · Carrot Score 93
Rate checked · Auto loans rates on its site
More details - 5.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Preferred rate on your loan is offered on the condition that you maintain a checking account with us from which we may deduct your monthly payment as they come due.
Auto loan score 63 · Carrot Score 62
Rate checked · Auto loans rates on its site
More details - 6.04%APRas low as
Terms
Model years 2026–2025; term up to 63 months. Stated APR/interest rate based on credit score 720 or above; other rates and terms also available. APR and payment examples based on a $10,000 loan with a $50 documentation prep fee using the greater term for the product. Up to 125% financing.
Auto loan score 66 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 6.09%APRas low as
Terms
Based on 60 months and $45,000 financing amount with $0 down payment for online applicants with excellent credit ($870.81 monthly payment). Rate discount of 0.25% may be available for Chase customers maintaining an average daily combined balance of $150,000 or more across eligible accounts. May not include a $195 loan origination fee for Indiana applications.
Auto loan score 65 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details - 6.50%APRas low as
Terms
As low as rate. Terms available: 36, 48, 60, 72, 84 months. Minimum loan amount of $2,500.
Auto loan score 62 · Carrot Score 62
Rate checked · Auto loans rates on its site
More details - 6.79%APRas low as · up to 15.69%with conditions
6.79% APR, up to 15.69%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
To qualify for the lowest APR available (6.79%): term must be 48 months or less; collateral model year must be 2025 or newer; must have or open an M&T MyChoice Premium or Power Checking account at time of application; and automatic payment deductions from any M&T checking account must be established. Terms up to 84 months available.
Auto loan score 62 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details - 7.00%APRas low as · up to 13.50%
7.00% APR, up to 13.50%
Terms
Model Year: 2025-2023; Credit Scores: 740 Plus (7.00%), 700-739 (9.00%), 699 or Less (13.50%)
Auto loan score 62 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details - 7.00%APRas low as · up to 8.50%
7.00% APR, up to 8.50%
Terms
For newer models.
Auto loan score 61 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details
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
22 banks and credit unions · checked Oct 30
- Typical
- 6.30%
- Top 10% up to
- 5.36%
- Banks, typical
- 6.30%
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
- SJP Federal Credit UnionCredit union · 1 branch
- BTG Pactual Bank, National AssociationBank · 1 branch