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 46–60 of 160 in New York · median 4.99% APR
- 4.50%APRas low as
Terms
Requires 5%-40% down payment.
Auto loan score 87 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 4.59%APRas low as
Terms
As low as rate for 61-72 months on new vehicles (2025 and newer model years). Assumes excellent credit.
Auto loan score 86 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 4.60%APRas low as
Terms
No Payments for 90 Days. Extended terms up to 84 months.
Auto loan score 89 · Carrot Score 93
Rate checked · Auto loans rates on its site
More details - 4.68%APRas low as · up to 10.84%
4.68% APR, up to 10.84%
Terms
Rate based on creditworthiness and term of loan. Up to 72 month terms. Minimum credit score of 601. $20 application fee. No pre-payment penalties. Amount: up to $35,000. Financing up to 80% for purchases or 100% when refinancing.
Auto loan score 89 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 4.69%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model year 2025 & newer. Includes 0.25% discount for auto transfer of monthly payment and 0.25% discount for LTV under 80%.
Auto loan score 89 · Carrot Score 80
Rate checked · Auto loans rates on its site
More details - 4.70%APRas low as
Terms
Rate disclosed is quoted for A+ credit and will be available starting 1/28/2026. Additional loyalty discounts may apply to reduce these rates further. Call us for details at 716-681-1460. Some restrictions may apply.
Auto loan score 89 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 4.70%APRas low as
Terms
Vehicle year 2025 & newer; purchased or refinanced from another lender; credit history determines rate and term
Auto loan score 87 · Carrot Score 93
Rate checked · Auto loans rates on its site
More details - 4.74%APRas low as
Terms
Quick Rates advertised as low as 4.74% for New and Used Vehicles.
Auto loan score 88 · Carrot Score 70
Rate checked · Auto loans rates on its site
More details - 4.74%APRas low as
Terms
Rates as low as 4.74% APR.
Auto loan score 88 · Carrot Score 92
Rate checked · Auto loans rates on its site
More details - 4.74%APRas low as
Terms
Vehicle year 2023–2026. Without autopay discount.
Auto loan score 88 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 4.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates shown offered to members meeting select credit criteria, including -.25% discount for Autopay. Other rates and terms available based on creditworthiness. For used cars, the age of the vehicle may limit maximum loan term.
Auto loan score 83 · Carrot Score 84
Rate checked · Auto loans rates on its site
More details - Niagara Falls Air Force Federal Credit UnionNew Vehicle Loans · up to 60 months
Credit union · 1 branch
4.74%APRas low as · up to 11.74%4.74% APR, up to 11.74%
Terms
Paper Grade A+ (720 and above) to D (475 - 599)
Auto loan score 83 · Carrot Score 73
Rate checked · Auto loans rates on its site
More details - TrailNorth Federal Credit UnionAuto Loan - New & Late Model Used 6 Years or Newer · up to 60 months
Credit union · 3 branches
4.74%APRas low asAuto loan score 83 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 4.74%APRas low as
Terms
New Models (2026-2022)
Auto loan score 83 · Carrot Score 81
Rate checked · Auto loans rates on its site
More details - 4.75%APRas low as
Terms
Promotional rate valid 10/1/26–12/31/26. Refinancing an existing auto loan with NCPD Federal Credit Union does not qualify for this promotional rate, the refinance must be a new loan to NCPD FCU.
Auto loan score 86 · Carrot Score 87
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