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 Oneonta, NY metro · median 4.92% APR
- 3.99%APRas low as
Auto loan score 91 · Carrot Score 95
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 - 5.59%APRas low as
Terms
Vehicle: New & Used Autos (2027-2024)
Auto loan score 67 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 7.68%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New vehicles; 72 months term; assumes $25,000 loan amount, minimum credit score of 720, auto-deduction from Wayne Bank checking account, $125 loan documentation fee. APR increases by .25% without automatic deduction, and by 1.00% for vehicles over 5 model years. Monthly payment per $1,000 borrowed is $17.29.
Auto loan score 60 · 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 Oneonta, NY metro
4 banks and credit unions · checked Oct 16
- Typical
- 4.92%
- Top 10% up to
- 4.06%
- Banks, typical
- 7.68%
- Credit unions, typical
- 4.24%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Oneonta, NY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Leatherstocking Credit UnionCredit union · 1 branch
- Broadview Federal Credit UnionCredit union · 1 branch