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 16–30 of 160 in New York · median 4.99% APR
- Access Federal Credit UnionVehicle Loans - Model Years 2024 and newer · 61–72 months
Credit union · 4 branches
3.99%APRas low asTerms
Rate is as low as stated. Rates and terms are determined by member's overall credit history.
Auto loan score 95 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 3.99%APRas low as
Terms
49 to 60 months. Advertised rate is as low as and determined by creditworthiness. At 3.99% APR with a 60-month term, you will make 60 monthly payments of $18.42 per $1,000 of the loan.
Auto loan score 95 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 3.99%APRas low as
Terms
Base rate for FICO score 680 and over. Risk based scoring adds up to +6.00% depending on credit tier.
Auto loan score 94 · Carrot Score 93
Rate checked · Auto loans rates on its site
More details - 3.99%APRas low as
Terms
Promotional offer is valid between October 1, 2026 to November 30, 2026 celebrating the opening of newest branch in Chittenango. Existing GPO loans cannot be refinanced. Auto Loan rates as low as 3.99% APR up to 66 months for 2023-2027 models. Membership eligibility required. Credit restrictions apply and applications are subject to credit approval. Loan rates are determined by overall credit history and are subject to change without notice. Typical monthly payments for a 5 year new auto loan at 3.99% APR would be $18.42 per $1000 borrowed.
Auto loan score 92 · Carrot Score 98
Rate checked · Auto loans rates on its site
More details - 3.99%APRas low as
Auto loan score 92 · Carrot Score 95
Rate checked · Auto loans rates on its site
More details - 3.99%APRas low as
Terms
Up to $100,000.00.
Auto loan score 90 · Carrot Score 94
Rate checked · Auto loans rates on its site
More details - 3.99%APRas low as
Terms
As Low as 3.99%
Auto loan score 89 · Carrot Score 91
Rate checked · Auto loans rates on its site
More details - 3.99%APRas low as · up to 17.99%
3.99% APR, up to 17.99%
Terms
New models under 2 years old; terms up to 84 months; 100% financing. Local 804 Retirees, Military members or Veterans can enjoy loan discounts of .25% APR.
Auto loan score 89 · Carrot Score 77
Rate checked · Auto loans rates on its site
More details - Sweet Home Federal Credit UnionNew Automobile – Model years 2025 or newer · up to 72 months
Credit union · 1 branch
3.99%APRas low asTerms
As low as rate.
Auto loan score 87 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 3.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate reflects 0.25% discount for automatic payment from a GE Credit Union account. Rate determined by credit history and term.
Auto loan score 86 · Carrot Score 81
Rate checked · Auto loans rates on its site
More details - 4.00%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Disclosed consumer rate is for top tier credit (740+ score) for shortest available term and includes a 0.25% APR discount for having a checking account with direct deposit and automatic payment set up for the loan. Terms up to 84 months available for new or used vehicle purchase or refinance.
Auto loan score 94 · Carrot Score 91
Rate checked · Auto loans rates on its site
More details - Town of Hempstead Employees Federal Credit UnionNew Auto 2025-2026 · up to 60 months
Credit union · 2 branches
4.00%APRas low asTerms
As low as rate
Auto loan score 94 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 4.09%APRas low as · up to 13.14%with conditions
4.09% APR, up to 13.14%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes up to 0.90% discount. Rates based on creditworthiness and percentage down.
Auto loan score 92 · Carrot Score 94
Rate checked · Auto loans rates on its site
More details - 4.24%APRas low as
Terms
For model years 2023 and newer.
Auto loan score 93 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 4.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Standard 'as low as' rate. Model years 2026 & 2025 (if less than 10,000 miles). Term lengths from 12-84 months. Credit score and term length determine rate. Maximum DTI 45%. Valid for new purchases, refinancing, & lease buyouts.
Auto loan score 91 · Carrot Score 93
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