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 16–30 of 40 in Buffalo, NY metro · median 4.74% APR
- 4.25%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 90 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
New auto loan
Auto loan score 89 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 4.70%APRas low as
Terms
Rate disclosed is quoted for A+ credit and will be available starting 1/28/2026. Additional loyalty discounts may apply to reduce these rates further. Call us for details at 716-681-1460. Some restrictions may apply.
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.70%APRas low as
Terms
Vehicle year 2025 & newer; purchased or refinanced from another lender; credit history determines rate and term
Auto loan score 86 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - Niagara Falls Air Force Federal Credit UnionNew Vehicle Loans · up to 60 months
Credit union · 1 branch
4.74%APRas low as · up to 11.74%4.74% APR, up to 11.74%
Terms
Paper Grade A+ (720 and above) to D (475 - 599)
Auto loan score 82 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
New Models (2026-2022)
Auto loan score 82 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 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 80 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 4.95%APRas low as
Terms
New car loans (2025-2027 models). 60 months term.
Auto loan score 86 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Auto loan score 75 · Carrot Score 78
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
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
Rates and branches - Ukrainian Federal Credit UnionNew Auto Loan (vehicle year 2025 - 2026) · up to 60 months
Credit union · 2 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
Rates and branches - 5.25%APRas low as
Terms
Published rates for credit scores 680-779. Model years 2026-2027.
Auto loan score 72 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 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 71 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 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
Rates and branches - 5.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Advertised 'as low as' rate reflects a 2-year term with A+ paper (TransUnion score of 720+). Includes 1.00% APR sale discount and 0.25% direct deposit and recurring automatic loan transfer discount. Model years 2006 and older.
Auto loan score 73 · Carrot Score 80
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 Buffalo, NY metro
40 banks and credit unions · checked Oct 16–22
- Typical
- 4.74%
- Top 10% up to
- 3.68%
- Banks, typical
- 6.79%
- Credit unions, typical
- 4.70%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Buffalo, NY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Ontario Shores FCUCredit union · 4 branches
- SJP Federal Credit UnionCredit union · 1 branch
- Niagara's ChoiceCredit union · 5 branches