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 1–4 of 4 in Cortland, NY metro · median 5.18% APR
- 4.74%APRas low as
Terms
Rates as low as 4.74% APR. Maximum loan term not to exceed 84 months. Valid on new and used auto, motorcycle, power sports, residential equipment, marine, Paysaver auto loans, and recreational vehicle loans. Offer expires 8/31/26.
Auto loan score 87 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 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
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 - 7.00%APRas low as
Terms
Credit score 740 & Above; 0% Down Payment
Auto loan score 61 · Carrot Score 63
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 Cortland, NY metro
4 banks and credit unions · checked Oct 16
- Typical
- 5.18%
- Top 10% up to
- 4.82%
- Banks, typical
- 7.00%
- Credit unions, typical
- 5.00%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Cortland, NY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- AmeriCU Credit UnionCredit union · 1 branch
- The Summit Federal Credit UnionCredit union · 1 branch