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 106–120 of 160 in New York · median 4.99% APR
- Oswego Teachers Employees Federal Credit UnionNewer Vehicles (2025-2027) · up to 66 months
Credit union · 1 branch
5.24%APRas low asTerms
Rate as low as based on credit score 680+; rate may be reduced by 0.25% with payroll deduction or direct deposit of Social Security or Pension.
Auto loan score 80 · Carrot Score 81
Rate checked · Auto loans rates on its site
More details - Self Reliance Financial Federal Credit UnionNew Vehicle Loan · 49–66 months
Credit union · 5 branches
5.24%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As low as APR requires automatic monthly payment. 49 to 66 months.
Auto loan score 80 · Carrot Score 94
Rate checked · Auto loans rates on its site
More details - 5.24%APRas low as
Terms
As low as APR. Rates are valid as of October 1, 2026 and subject to change. Rates may vary based on terms as well as credit history. 0% to 20% down payment; terms between 36 and 84 months; new or used cars.
Auto loan score 80 · Carrot Score 98
Rate checked · Auto loans rates on its site
More details - State CS Employees Federal Credit UnionAuto & Motorcycle Loans · up to 60 months
Credit union · 2 branches
5.24%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates include a 0.25% rate discount for automatic payments and a 0.25% rate discount for having an active State CS Checking account. Subject to loan approval; rates vary by credit, collateral and term.
Auto loan score 74 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - Heritage Financial Credit UnionTier 1 Auto (Model Years 2024-Present) · up to 84 months
Credit union · 12 branches
5.24%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Fixed APR as low as 5.24%. Includes 0.50% discount for automatic payments. Maximum term is 84 months.
Auto loan score 71 · Carrot Score 79
Rate checked · Auto loans rates on its site
More details - 5.25%APRas low as
Terms
2026 – 25 models; New Car = 2026 and 25 year models, less than or equal to 10,000 miles
Auto loan score 86 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 5.25%APRas low as
Terms
NEW Electric Cars & Motorcycles: 2027 - 2025 Model Years. Up to 100% Financing. Rate floor 2.00% APR. APR as low as.
Auto loan score 73 · Carrot Score 74
Rate checked · Auto loans rates on its site
More details - 5.25%APRas low as
Terms
Rate is APR as low as; determined based on credit history/score.
Auto loan score 73 · Carrot Score 79
Rate checked · Auto loans rates on its site
More details - Ukrainian Federal Credit UnionNew Auto Loan (vehicle year 2025 - 2026) · up to 60 months
Credit union · 5 branches
5.25%APRas low as · up to 6.25%with conditions5.25% APR, up to 6.25%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Maximum term 5 years. Base APR is 6.25%; APR as low as 5.25% includes up to 1.00% relationship discount based on approved credit.
Auto loan score 73 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 5.25%APRas low as
Terms
Published rates for credit scores 680-779. Model years 2026-2027.
Auto loan score 72 · Carrot Score 71
Rate checked · Auto loans rates on its site
More details - 5.25%APRas low as
Terms
Model years 2025-2022 with mileage 15,000 or less. Rate determined by credit history. DCCU members are eligible for a 0.25% loan discount when setting up automatic monthly payments on new loans.
Auto loan score 72 · Carrot Score 64
Rate checked · Auto loans rates on its site
More details - Griffith Institute Employees Federal Credit UnionNew Auto Loans · up to 72 months
Credit union · 1 branch
5.25%APRas low asTerms
Terms up to 72 months.
Auto loan score 72 · Carrot Score 67
Rate checked · Auto loans rates on its site
More details - 5.35%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Fixed APR with automatic payment deducted from Checking Account or Automatic Loan Payment Share account. APR varies depending on credit history. Best rates shown.
Auto loan score 68 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 5.39%APRas low as
Terms
Payment example per $1,000 borrowed: $19.09.
Auto loan score 72 · Carrot Score 68
Rate checked · Auto loans rates on its site
More details - Rochester & Monroe County Employees Federal Credit UnionAuto Loans · up to 60 months
Credit union · 2 branches
5.40%APRas low asTerms
Model Years 2025-2026. Fixed APR as low as 5.40%. APR varies depending on your credit history. Payment per $1,000 is $19.06.
Auto loan score 76 · Carrot Score 74
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?
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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