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 136–150 of 160 in New York · median 4.99% APR
- Mid-Hudson Valley Federal Credit UnionNew Vehicles Auto Loan · 37–66 months
Credit union · 12 branches
5.69%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as for 37-66 months. Rate special reflects a 0.25% autopay discount for automatic payments from MHV checking or savings; based on credit, term of loan, and/or year of vehicle.
Auto loan score 66 · Carrot Score 68
Rate checked · Auto loans rates on its site
More details - 5.74%APRas low as · up to 17.99%
5.74% APR, up to 17.99%
Terms
Subsequent rate after 3-month promotional period for refinance loans. Rate determined based on credit history, model year, term, and location.
Auto loan score 70
Rate checked · Auto loans rates on its site
More details - Generations United Federal Credit UnionNEW AUTO LOAN (25-23) · up to 72 months
Credit union · 1 branch
5.74%APRas low asTerms
New (never titled) auto loans
Auto loan score 70 · Carrot Score 80
Rate checked · Auto loans rates on its site
More details - 5.74%APRas low as
Auto loan score 69 · Carrot Score 64
Rate checked · Auto loans rates on its site
More details - First Heritage Federal Credit UnionNew Vehicle 2023 - Newer · up to 66 months
Credit union · 6 branches
5.74%APRas low asAuto loan score 66 · Carrot Score 77
Rate checked · Auto loans rates on its site
More details - 5.74%APRas low as · up to 17.74%
5.74% APR, up to 17.74%
Terms
Model year 2025 & newer. Rates range from Base (5.74%) up to +1200 tier (17.74%) depending on credit score.
Auto loan score 66 · Carrot Score 91
Rate checked · Auto loans rates on its site
More details - 5.75%APRas low as
Terms
New vehicles only; loan terms up to 84 months.
Auto loan score 80 · Carrot Score 92
Rate checked · Auto loans rates on its site
More details - 5.75%APRas low as
Terms
Rate advertised as low as 5.75% APR. Terms up to 72 months. Purchase and refinance loans, new or used vehicles.
Auto loan score 69 · Carrot Score 66
Rate checked · Auto loans rates on its site
More details - 5.75%APRas low as
Auto loan score 67 · Carrot Score 69
Rate checked · Auto loans rates on its site
More details - 5.75%APRas low as
Terms
APR as low as 5.75% for 60-75 months. Determined by credit history. Example: new auto loan of $20,000 for 60 months @ 5.75% APR may have a monthly payment of $385.20.
Auto loan score 66 · Carrot Score 79
Rate checked · Auto loans rates on its site
More details - Chen-Del-O Federal Credit UnionVehicle Loans (Includes Motorcycles) · up to 60 months
Credit union · 1 branch
5.79%APRas low asTerms
Model year: 2026 - New
Auto loan score 66 · Carrot Score 79
Rate checked · Auto loans rates on its site
More details - 6.00%APRas low as
Terms
Fixed rate starting at 6.00% APR for terms ranging from 6 months to 6 years (up to 6 years). Shorter loan terms qualify for lower rates.
Auto loan score 66 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details - 6.24%APRas low as
Terms
Rates as low as 6.24% APR. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed. Terms available up to 72 months.
Auto loan score 65 · Carrot Score 71
Rate checked · Auto loans rates on its site
More details - 6.25%APRas low as
Terms
Rates as low as 6.25% APR. Rate based on creditworthiness and loan term. Up to 100% financing. Up to $65,000 for new vehicles. Extra 0.25% APR off on Electric Vehicle EV Purchases (limited time).
Auto loan score 63 · Carrot Score 79
Rate checked · Auto loans rates on its site
More details - 6.25%APRas low as
Terms
Current year with < 5,000 miles or next model year with < 100 miles.
Auto loan score 63 · Carrot Score 61
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
160 banks and credit unions · checked Oct 30–31
- Typical
- 4.99%
- Top 10% up to
- 3.99%
- Credit unions, typical
- 4.99%
How does your bank’s rate compare?
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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