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 1–15 of 23 in Rochester, NY metro · median 5.25% APR
- 3.90%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Auto loan score 96 · Carrot Score 99
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
Starting as low as
Auto loan score 91 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
APR with discount as low as 3.99%.
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New and Used Vehicle — 2025 & Newer Model Years. Requires automatic payment.
Auto loan score 82 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - Canandaigua FCUNew Auto Loan or new vehicles up to 5000 miles · up to 60 months
Credit union · 1 branch
4.75%APRas low as · up to 6.25%4.75% APR, up to 6.25%
Auto loan score 82 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Loan terms and rates based upon applicant's credit history, score, loan term, collateral if applicable, verifiable income, and financing options. Rates subject to change at any time.
Auto loan score 83 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
New Car Rates as low as 4.99%. Terms up to 72 months.
Auto loan score 83 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - Spencerport Federal Credit UnionNew & Used Auto – 2024 & Newer (includes motorcycles) · up to 60 months
Credit union · 1 branch
4.99%APRas low asTerms
Rates are subject to change and are dependent upon credit approval. Max $100k
Auto loan score 79 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 19.49%
4.99% APR, up to 19.49%
Terms
Model Year (Years 2024 & Newer); APR will vary from 4.99% APR to 19.49% APR based on past credit history and year of vehicle
Auto loan score 77 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - Family First Federal Credit UnionNew Auto Loan (2025 and Newer Models) · 1–60 months
Credit union · 5 branches
5.05%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As low as rate. Includes 0.50% special discount for having direct deposit or automatic payments AND 0.25% discount for LTV (loan to value) of 80% or lower MSRP.
Auto loan score 76 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Rate is APR as low as; determined based on credit history/score.
Auto loan score 73 · Carrot Score 80
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 - 5.35%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 - Rochester & Monroe County Employees Federal Credit UnionAuto Loans · up to 60 months
Credit union · 2 branches
5.40%APRas low asTerms
Model Years 2025-2026. Fixed APR as low as 5.40%. APR varies depending on your credit history. Payment per $1,000 is $19.06.
Auto loan score 75 · Carrot Score 74
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
Advertised as low as rate includes 0.50% discount for disclosing intention to purchase electric vehicle at application. Based on credit history evaluation.
Auto loan score 70 · Carrot Score 73
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 Rochester, NY metro
23 banks and credit unions · checked Oct 16–22
- Typical
- 5.25%
- Top 10% up to
- 4.54%
- Banks, typical
- 6.52%
- Credit unions, typical
- 5.05%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Rochester, NY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Ontario Shores FCUCredit union · 1 branch
- Pittsford Federal Credit UnionCredit union · 2 branches
- Canandaigua National BankBank · 26 branches