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 91–105 of 160 in New York · median 4.99% APR
- 5.00%APRas low as
Terms
Newer Vehicles (2023 - 2026). Rate determined by credit score, loan term, vehicle model year and mileage, and loan-to-value. Actual loan term available is determined based on model year and loan amount requirements.
Auto loan score 82 · Carrot Score 77
Rate checked · Auto loans rates on its site
More details - Oneida County Federal Credit UnionNew Auto Loan (2024 to 2027) · 49–72 months
Credit union · 1 branch
5.00%APRas low asAuto loan score 82 · Carrot Score 69
Rate checked · Auto loans rates on its site
More details - 5.00%APRas low as · up to 7.75%
5.00% APR, up to 7.75%
Terms
Rates are based on individual credit history and term. Rates subject to change without notice.
Auto loan score 77 · Carrot Score 68
Rate checked · Auto loans rates on its site
More details - 5.00%APRas low as
Terms
Maximum Loan-to-Value 100%.
Auto loan score 77 · Carrot Score 71
Rate checked · Auto loans rates on its site
More details - 5.00%APRas low as
Terms
Credit Score: A+ (750 & Higher)
Auto loan score 77 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 5.00%APRas low as
Auto loan score 76 · Carrot Score 77
Rate checked · Auto loans rates on its site
More details - 5.00%APRas low as · up to 12.25%
5.00% APR, up to 12.25%
Terms
Tiered by credit rating: A+ (775+): 5.00%, A (700-774): 5.60%, B (650-699): 7.00%, C (600-649): 9.75%, D (550-599): 12.25%. Call for credit scores 549 or less.
Auto loan score 73 · Carrot Score 63
Rate checked · Auto loans rates on its site
More details - 5.00%APRas low as · up to 10.00%with conditions
5.00% APR, up to 10.00%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Tier A through E; applies to automatic payment or payroll deduction; add 0.50% for other payment options. GAP insurance required for 100% financing.
Auto loan score 72 · Carrot Score 69
Rate checked · Auto loans rates on its site
More details - 5.04%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model year 2022 & newer. Rate includes 0.25% Auto Pay discount with an automatic payment.
Auto loan score 77 · Carrot Score 84
Rate checked · Auto loans rates on its site
More details - 5.04%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes 0.50% discount for auto pay from a CCFCU checking or savings account. Promotion includes no payments for 60 days. Rates as low as 5.04% APR.
Auto loan score 72 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - Family First Federal Credit UnionNew Auto Loan (2025 and Newer Models) · 1–60 months
Credit union · 5 branches
5.05%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As low as rate. Includes 0.50% special discount for having direct deposit or automatic payments AND 0.25% discount for LTV (loan to value) of 80% or lower MSRP.
Auto loan score 77 · Carrot Score 75
Rate checked · Auto loans rates on its site
More details - 5.14%APRas low as
Terms
Monthly payment of $18.94 per thousand borrowed.
Auto loan score 77 · Carrot Score 84
Rate checked · Auto loans rates on its site
More details - 5.14%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Up to 90% LTV; assumes discounts for Auto Pay & Direct Deposit. First-time auto buyers subject to different rates/pricing.
Auto loan score 75 · Carrot Score 69
Rate checked · Auto loans rates on its site
More details - Greater Chautauqua Federal Credit UnionNew Autos (2 Years and Newer) · 49–60 months
Credit union · 4 branches
5.20%APRas low asTerms
Rates are based on borrower's credit history and length of the loan. Borrow a minimum of $5,000 and up.
Auto loan score 73 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 5.23%APRas low as
Terms
Rates as low as stated. Repayment term 49 to 60 months.
Auto loan score 75 · Carrot Score 77
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