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 76–90 of 160 in New York · median 4.99% APR
- 4.99%APRas low as
Terms
$5 credit union membership deposit required. Vehicles older than 6 years receive personal loan rates. Finance up to 125% of MSRP for new or JD Power retail value for used vehicles (LTV 95% to 125%). Promotional cash back of $500 on approved new/used auto loans (min $20,000 financed) or $150 cash back on approved refinanced auto loans (min $20,000 refinanced).
Auto loan score 83 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as
Terms
Lowest rates based on \"A\" credit rating.
Auto loan score 83 · Carrot Score 83
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as
Terms
Available on qualifying new and used auto purchase loans. Actual APR depends on creditworthiness, vehicle information, loan amount, and other underwriting criteria. No prepayment penalties.
Auto loan score 83 · Carrot Score 85
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Estimated payment per $1,000.00 is $16.88. Includes a 1.00% discount when eligible products and services are added.
Auto loan score 81 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as
Auto loan score 81 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as
Terms
Model Years 2024 and Newer. Annual Percentage Rate - As Low As. Rate determined by applicant credit, payment history, and collateral.
Auto loan score 80 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - Heritage Family Credit UnionNew Auto Loan Rate (Model Year 2025 and Newer) · up to 60 months
Credit union · 1 branch
4.99%APRas low asAuto loan score 80 · Carrot Score 83
Rate checked · Auto loans rates on its site
More details - Spencerport Federal Credit UnionNew & Used Auto – 2024 & Newer (includes motorcycles) · up to 60 months
Credit union · 1 branch
4.99%APRas low asTerms
Rates are subject to change and are dependent upon credit approval. Max $100k
Auto loan score 80 · Carrot Score 81
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as
Terms
Rates based on a credit score of 730 or higher. Lower rates may apply for terms less than 60 months. Certain terms and restrictions may apply. Rates subject to change without notice.
Auto loan score 80 · Carrot Score 67
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as
Terms
Lowest available rate for 60 month terms. Creditworthiness ultimately determines rate offer. Rates subject to change without notice.
Auto loan score 79 · Carrot Score 85
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as
- 4.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New and Used Vehicle — 2025 & Newer Model Years. Requires automatic payment.
Auto loan score 79 · Carrot Score 79
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as · up to 19.49%
4.99% APR, up to 19.49%
Terms
Model Year (Years 2024 & Newer); APR will vary from 4.99% APR to 19.49% APR based on past credit history and year of vehicle
Auto loan score 77 · Carrot Score 77
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Current Model Year (Max 5,000 Miles). Term 37-60 Months. Direct deposit rate discount applies.
Auto loan score 77 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 5.00%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Vehicle Models 2022-2026 (or 2022-2027); new vehicles only; includes 0.25% APR auto pay discount; credit score 740+
Auto loan score 87 · Carrot Score 91
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