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 31–45 of 160 in New York · median 4.99% APR
- First New York Federal Credit UnionNew Auto Loan: 2021-2027 Model Years · up to 60 months
Credit union · 9 branches
4.24%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate as low as 4.24% APR. Reflects 0.25% automatic payment discount.
Auto loan score 87 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 4.25%APRas low as · up to 12.25%with conditions
4.25% APR, up to 12.25%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Maximum Discount Rate as low as 3.50% for an A borrower with all maximum rate discounts applied (0.75%).
Auto loan score 90 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 4.25%APRas low as
Terms
New Automobiles & Motorcycles 2023-2027.
Auto loan score 89 · Carrot Score 95
Rate checked · Auto loans rates on its site
More details - 4.39%APRas low aswith conditions
This rate needs autopay.
Terms
w/ Auto Pay Discount. Same rate on NEW or USED vehicles. Rates are based on applicant's credit worthiness. Your actual rate may vary.
Auto loan score 90 · Carrot Score 85
Rate checked · Auto loans rates on its site
More details - 4.49%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
APR with discount as low as 3.99%.
Auto loan score 90 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - New York Times Employees' Credit UnionNew and 1 Year Old Models under 20,000 miles · 36–72 months
Credit union · 2 branches
4.49%APRas low asAuto loan score 89 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - Mohawk Valley Federal Credit UnionNew Auto Loans (2 Years Old & Newer) · 49–66 months
Credit union · 2 branches
4.49%APRas low asTerms
Credit Grade A+ (730+)
Auto loan score 88 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 4.49%APRas low as
Terms
as low as 4.49% for 60-month term
Auto loan score 87 · Carrot Score 94
Rate checked · Auto loans rates on its site
More details - 4.49%APRas low as · up to 5.49%
4.49% APR, up to 5.49%
Terms
Rate based on creditworthiness and term of loan.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 4.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate includes .25% reduction for direct deposit, VISA credit card or automatic loan payment from your UGEFCU account.
Auto loan score 86 · Carrot Score 95
Rate checked · Auto loans rates on its site
More details - 4.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New Auto (2024 & newer)
Auto loan score 83 · Carrot Score 85
Rate checked · Auto loans rates on its site
More details - 4.50%APRas low as
Terms
New auto loan
Auto loan score 93 · Carrot Score 75
Rate checked · Auto loans rates on its site
More details - Finger Lakes Health Care Federal Credit UnionAutomobile and Motorcycle - New (2025, 2026, 2027) · up to 60 months
Credit union · 1 branch
4.50%APRas low as · up to 15.00%4.50% APR, up to 15.00%
Terms
Rates range from 4.50% (Tier A+, 760 & above) to 15.00% (Tier D, 500-599) based on credit score.
Auto loan score 87 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 4.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As Low As 4.50% APR for Auto, Trucks, Boats, RV's, Motorcycles. Repayment terms available up to 84 Months. Low cost auto loans for both new and used cars. If you have Payroll Deduction into Checking / automatic payments from share draft checking account, rate includes a discount of 25 basis points (0.25%). Rates based on credit history and services with Credit Union.
Auto loan score 87 · Carrot Score 91
Rate checked · Auto loans rates on its site
More details - 4.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model years 2023 & newer. Monthly payment per $1,000 is $18.64.
Auto loan score 87 · Carrot Score 89
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