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 61–75 of 160 in New York · median 4.99% APR
- 4.75%APRas low as
Terms
Rate as low as. Rates based on creditworthiness. Enroll in direct deposit to save 0.25%; receive extra 0.25% off with 20% equity in collateral.
Auto loan score 83 · Carrot Score 81
Rate checked · Auto loans rates on its site
More details - Canandaigua FCUNew Auto Loan or new vehicles up to 5000 miles · up to 60 months
Credit union · 1 branch
4.75%APRas low as · up to 6.25%4.75% APR, up to 6.25%
Auto loan score 83 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 4.75%APRas low as · up to 8.25%
4.75% APR, up to 8.25%
Terms
Credit tiers A+ through C (Credit scores 600+)
Auto loan score 83 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 4.75%APRas low as
Terms
With 700 Credit Score or above. Term 5 Year.
Auto loan score 83 · Carrot Score 92
Rate checked · Auto loans rates on its site
More details - 4.75%APRas low as
Terms
APR as low as 4.75%. Rate based on creditworthiness and term of loan.
Auto loan score 82 · Carrot Score 75
Rate checked · Auto loans rates on its site
More details - 4.75%APRas low as
Auto loan score 81 · Carrot Score 83
Rate checked · Auto loans rates on its site
More details - Williamsville Federal Credit UnionAuto Loans – New 2025-2026 · up to 60 months
Credit union · 1 branch
4.80%APRas low asTerms
New 2025-2026. Maximum $45,000. Lease buyouts and refinances are not offered.
Auto loan score 81 · Carrot Score 66
Rate checked · Auto loans rates on its site
More details - XCEL Federal Credit UnionNew Auto / Truck / Motorcycle Loans · up to 60 months
Credit union · 1 branch
4.89%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
With Direct Deposit. Standard Auto/Truck. Rate includes 0.50% direct deposit discount (minimum $500/month).
Auto loan score 77 · Carrot Score 81
Rate checked · Auto loans rates on its site
More details - 4.95%APRas low as
Terms
New car loans (2025-2027 models). 60 months term.
Auto loan score 86 · Carrot Score 82
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as
Terms
Rates are shown as low as. Credit Union Membership required with a $1.00 minimum deposit and $1.00 membership fee.
Auto loan score 83 · Carrot Score 91
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as
Terms
Loan terms and rates based upon applicant's credit history, score, loan term, collateral if applicable, verifiable income, and financing options. Rates subject to change at any time.
Auto loan score 83 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as
Terms
New Car Rates as low as 4.99%. Terms up to 72 months.
Auto loan score 83 · Carrot Score 69
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as
Terms
Rates as low as 4.99%, dependent upon creditworthiness, credit history and other factors. No maximum loan amounts.
Auto loan score 83 · Carrot Score 84
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as
Auto loan score 83 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as
Terms
APR as low as; actual rate determined by credit qualifications and chosen term, subject to credit approval; rates may change at any time.
Auto loan score 83 · 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?
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