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 1–6 of 6 in Massena, NY metro · median 5.24% APR
- 4.99%APRas low as
Terms
$5 credit union membership deposit required. Vehicles older than 6 years receive personal loan rates. Finance up to 125% of MSRP for new or JD Power retail value for used vehicles (LTV 95% to 125%). Promotional cash back of $500 on approved new/used auto loans (min $20,000 financed) or $150 cash back on approved refinanced auto loans (min $20,000 refinanced).
Auto loan score 83 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates based on a credit score of 730 or higher. Lower rates may apply for terms less than 60 months. Certain terms and restrictions may apply. Rates subject to change without notice.
Auto loan score 80 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Credit Score: A+ (750 & Higher)
Auto loan score 76 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
5.49% APR based on a 72 month term with a credit score of 730 or above on a 2022 or newer vehicle. Valid on loans for new and used purchases or refinances from other financial institutions. Enhanced Loyalty Rewards cannot be used in conjunction with this offer.
Auto loan score 73 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Auto loan score 67 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as · up to 8.75%
5.75% APR, up to 8.75%
Terms
Secured loan. Loan to value: 100% of INV OR NADA RETAIL. Model years 2027-2024. Tier 1 (score 700+) rate is 5.75%, Tier 2 (650-699) adds 1% (6.75%), Tier 3 (649 and below) adds 3% (8.75%). Joint applicants based on higher score. VSI Insurance applied based on credit score.
Auto loan score 65 · Carrot Score 79
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 Massena, NY metro
6 banks and credit unions · checked Sep 26–Oct 16
- Typical
- 5.24%
- Top 10% up to
- 4.99%
- Banks, typical
- 5.75%
- 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.
New York
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Ontario Shores FCUCredit union · 5 branches
- Quorum Federal Credit UnionCredit union · 1 branch
- SJP Federal Credit UnionCredit union · 1 branch