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 1–15 of 20 in Albany, NY metro · median 5.38% APR
- 3.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model years 2022-2026, any make/model. Includes 0.25% discount with automatic payment from a Sunmark checking account and monthly direct deposit of at least $500. Term up to 60 months. Up to 115% Kelly Blue Book value. Minimum loan amount $2,500. Payment calculation based on $18.30 per $1,000 borrowed on a $30,000 loan for 60 months.
Auto loan score 94 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 3.79%APRas low as
Terms
For model years 2021 and newer. Rate quoted is the lowest available rate and will vary based on creditworthiness and term. No down payment required. Finance up to 110% of vehicle price.
Auto loan score 93 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low as
Terms
For model years 2023 and newer.
Auto loan score 93 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - First New York Federal Credit UnionNew Auto Loan: 2021-2027 Model Years · up to 60 months
Credit union · 9 branches
4.24%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate as low as 4.24% APR. Reflects 0.25% automatic payment discount.
Auto loan score 87 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.29%APRas low as
Terms
As low as rate for 37-60 months on new vehicles (2025 and newer model years). Assumes excellent credit.
Auto loan score 88 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.39%APRas low aswith conditions
This rate needs autopay.
Terms
With Auto Pay Discount. Same rate on NEW or USED vehicles. As low as rate based on creditworthiness.
Auto loan score 89 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model years 2023 & newer. Monthly payment per $1,000 is $18.64.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 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 79 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.04%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
2022 & newer models. Rate includes 0.25% Auto Pay discount with automatic payment.
Auto loan score 76 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 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 71 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%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 80 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.64%APRas low as
Terms
Vehicle condition and year: New, Used: 2026, 2025, 2024. Minimum Loan $4,000. Rate as low as. Actual interest rate based on overall creditworthiness. 0.25% reduction with online application, electronic closing and automatic payment.
Auto loan score 71 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.64%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Fixed APR for New & Used (model year 2024 & newer). Up to 125% of LTV. Rate includes 0.25% autopay discount. Terms up to 7 years (84 months). Rates as low as stated based on credit evaluation.
Auto loan score 71 · Carrot Score 63
Rate checked · Auto loans rates on its site
Rates and branches - 5.64%APRas low as
Terms
Advertised as-low-as APR assumes excellent borrower credit history and is specific to VA. Advertised rate does not include additional BofA Rewards interest rate discount of 0.10% to 0.50%. Rate guaranteed for 30 days from application approval.
Auto loan score 66 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Preferred rate on your loan is offered on the condition that you maintain a checking account with us from which we may deduct your monthly payment as they come due.
Auto loan score 63 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches
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 Albany, NY metro
20 banks and credit unions · checked Oct 16–22
- Typical
- 5.38%
- Top 10% up to
- 4.20%
- Banks, typical
- 6.12%
- Credit unions, typical
- 4.74%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Albany, NY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Sunmark Credit UnionCredit union · 14 branches
- TCT FCUCredit union · 2 branches
- Navy Federal Credit UnionCredit union · 1 branch