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 26 in Syracuse, NY metro · median 5.24% APR
- Access Federal Credit UnionVehicle Loans - Model Years 2024 and newer · 49–60 months
Credit union · 1 branch
3.99%APRas low asTerms
Rate is as low as stated. Rates and terms are determined by member's overall credit history.
Auto loan score 94 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Auto loan score 92 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate shown includes 0.25% automatic payment discount. Credit score determines rate. Financing up to 7 years (84 months).
Auto loan score 89 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate reflects 0.25% discount for automatic payment from a GE Credit Union account. Rate determined by credit history and term.
Auto loan score 86 · Carrot Score 81
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 - 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 - 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 - Auburn Community Federal Credit UnionNew Auto Loan (Model Years 2024 and Newer) · 49–60 months
Credit union · 1 branch
4.99%APRas low asAuto loan score 80 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Auto loan score 80 · Carrot Score 86
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 - 5.14%APRas low as
Terms
Monthly payment of $18.94 per thousand borrowed.
Auto loan score 77 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.23%APRas low as
Terms
Rates as low as stated. Repayment term 49 to 60 months.
Auto loan score 74 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - Oswego Teachers Employees Federal Credit UnionNewer Vehicles (2025-2027) · up to 66 months
Credit union · 1 branch
5.24%APRas low asTerms
Rate as low as based on credit score 680+; rate may be reduced by 0.25% with payroll deduction or direct deposit of Social Security or Pension.
Auto loan score 79 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - SECNY Federal Credit UnionNEW Electric Cars & Motorcycles: 2026 - 2024 Model Years · up to 60 months
Credit union · 6 branches
5.25%APRas low asAuto loan score 73 · Carrot Score 77
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 · 1 branch
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
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 Syracuse, NY metro
26 banks and credit unions · checked Oct 16–22
- Typical
- 5.24%
- Top 10% up to
- 3.99%
- Banks, typical
- 6.24%
- Credit unions, typical
- 5.14%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Syracuse, NY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- G.P.O. Federal Credit UnionCredit union · 1 branch
- AmeriCU Credit UnionCredit union · 9 branches
- Auburn Community Federal Credit UnionCredit union · 1 branch