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 76–90 of 99 in New York, NY-NJ metro · median 5.24% APR
- 5.75%APRas low as
Terms
Rate advertised as low as 5.75% APR. Terms up to 72 months. Purchase and refinance loans, new or used vehicles.
Auto loan score 68 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Auto loan score 68 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Terms
Rate starts at 5.75% APR for 60 months. Subject to credit approval and creditworthiness. Vehicle condition: New & Used. Stated fee: $99.00 auto loan processing fee.
Auto loan score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Terms
Starting APR; rates based on credit review.
Auto loan score 65 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Auto loan score 65 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 5.77%APRas low as
Terms
As low as rate for a new Capital One auto loan in October for individuals with excellent credit characteristics.
Auto loan score 65 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.85%APRas low as
Terms
Rates shown are the as low as rates for qualified applicants based on creditworthiness. Rate discounts available.
Auto loan score 68 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.95%APRas low as
Terms
For model year 2026. Rate is reduced by 0.50% (to 5.45% APR) if Equifax credit score is 750 or above. Up to 84 months. 10 or 12 payments a year. Car must have less than 2,500 miles to be considered new.
Auto loan score 64 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 6.00%APRas low as
Terms
Rates are based on credit score.
Auto loan score 66 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 6.00%APRas low as
Terms
Fixed rate starting at 6.00% APR for terms ranging from 6 months to 6 years (up to 6 years). Shorter loan terms qualify for lower rates.
Auto loan score 66 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 6.04%APRas low as
Terms
Model years 2026–2025; term up to 63 months. Stated APR/interest rate based on credit score 720 or above; other rates and terms also available. APR and payment examples based on a $10,000 loan with a $50 documentation prep fee using the greater term for the product. Up to 125% financing.
Auto loan score 65 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 6.19%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Relationship Premium APR as low as with 0.30% discount included. Up to 60 months.
Auto loan score 65 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as
Terms
Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
Auto loan score 65 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as
Terms
Based on 60 months and $45,000 financing amount with $0 down payment for online applicants with excellent credit. Rate discount of 0.25% may be available for Chase customers maintaining an average daily combined balance of $150,000 or more across eligible accounts.
Auto loan score 64 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 6.29%APRas low as
Terms
New Auto APR as low as 6.29% for terms 49 - 72 months. Payment per $1,000 borrowed is $16.71 (72-month term).
Auto loan score 63 · Carrot Score 89
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 New York, NY-NJ metro
99 banks and credit unions · checked Oct 16–22
- Typical
- 5.24%
- Top 10% up to
- 4.25%
- Banks, typical
- 6.49%
- 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, NY-NJ metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Quorum Federal Credit UnionCredit union · 1 branch
- BTG Pactual Bank, National AssociationBank · 1 branch
- USALLIANCE FinancialCredit union · 3 branches