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 1–11 of 11 in Utica, NY metro · median 4.49% APR
- Access Federal Credit UnionVehicle Loans - Model Years 2024 and newer · 49–60 months
Credit union · 3 branches
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 - 4.25%APRas low as
Terms
New Automobiles & Motorcycles 2023-2027.
Auto loan score 88 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
Lowest rates based on \"A\" credit rating.
Auto loan score 89 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
as low as 4.49% for 60-month term
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - Mohawk Valley Federal Credit UnionNew Auto Loans (2 Years Old & Newer) · 49–66 months
Credit union · 2 branches
4.49%APRas low asTerms
Credit Grade A+ (730+)
Auto loan score 87 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate includes .25% reduction for direct deposit, VISA credit card or automatic loan payment from your UGEFCU account.
Auto loan score 85 · Carrot Score 95
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 - 4.75%APRas low as
Auto loan score 80 · Carrot Score 83
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 - 6.79%APRas low as · up to 15.69%with conditions
6.79% APR, up to 15.69%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
To qualify for the lowest APR available (6.79%): term must be 48 months or less; collateral model year must be 2025 or newer; must have or open an M&T MyChoice Premium or Power Checking account at time of application; and automatic payment deductions from any M&T checking account must be established. Terms up to 84 months available.
Auto loan score 62 · Carrot Score 60
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 Utica, NY metro
11 banks and credit unions · checked Oct 16
- Typical
- 4.49%
- Top 10% up to
- 3.99%
- Banks, typical
- 6.79%
- Credit unions, typical
- 4.49%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Utica, NY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Utica Gas & Electric Federal Credit UnionCredit union · 1 branch
- Remington Federal Credit UnionCredit union · 1 branch
- G.P.O. Federal Credit UnionCredit union · 7 branches