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 151–160 of 160 in New York · median 4.99% APR
- 6.49%APRas low as
Auto loan score 62 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 6.64%APRas low as
Terms
Model years 2023-2026. 96-month NEW auto loan stipulation: Minimum loan amount $30,000.
Auto loan score 62 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - Tompkins Employees FCUNew Automobile Loans (models 2022-2026) · up to 60 months
Credit union · 1 branch
6.75%APRas low as · up to 16.25%6.75% APR, up to 16.25%
Terms
Credit tiers: A Plus (730 Plus) to E (Below 549)
Auto loan score 62 · Carrot Score 68
Rate checked · Auto loans rates on its site
More details - 6.99%APRas low as
Terms
Rates as low as. Monthly payment of $17.05 per $1,000 borrowed.
Auto loan score 61 · Carrot Score 72
Rate checked · Auto loans rates on its site
More details - Van Cortlandt Cooperative Federal Credit Union (VCCFCU)New Vehicles · 48–60 months
Credit union · 1 branch
6.99%APRas low asTerms
5 year Automobile Loan; maximum amount financed up to 100%
Auto loan score 61 · Carrot Score 75
Rate checked · Auto loans rates on its site
More details - 7.00%APRas low as
Auto loan score 61 · Carrot Score 75
Rate checked · Auto loans rates on its site
More details - 7.50%APRas low as · up to 17.50%with conditions
7.50% APR, up to 17.50%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Lowest APR is a result of all available rate discounts such as down payment and direct deposit. Not all borrowers will qualify for the lowest APR.
Auto loan score 61 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 7.54%APRas low as
Terms
New and Current Used (Model Year 2025-2027)
Auto loan score 61 · Carrot Score 63
Rate checked · Auto loans rates on its site
More details - 7.99%APRas low as · up to 11.99%
7.99% APR, up to 11.99%
Auto loan score 60 · Carrot Score 66
Rate checked · Auto loans rates on its site
More details - Saratoga's Community Federal Credit UnionAuto, Truck, Motorcycle · 49–60 months
Credit union · 2 branches
8.00%APRas low asAuto loan score 60 · Carrot Score 64
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?
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