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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.

Vehicle
Institution
Location

Top new-car loan rates

Showing 1–15 of 35 in Erie County, NY · median 4.95% APR

  1. EmpireONE Federal Credit UnionNEW AUTO LOAN · up to 60 months

    Credit union · 2 branches

    3.50%APRas low as
  2. Top Carrot, Carrot Score 95
    Greater Woodlawn FCUNew & Used Autos · up to 60 months

    Credit union · 1 branch

    3.75%APRas low as
  3. Top Carrot, Carrot Score 96
    Great Erie Federal Credit UnionNew/Used Vehicles · up to 60 months

    Credit union · 3 branches

    2.74%APRas low aswith conditionsunusually low · being checked
  4. Meridia Community Credit UnionAuto Loans · 1–60 months

    Credit union · 3 branches

    2.99%APRas low asunusually low · being checked
  5. Erie County Employees Federal Credit UnionNew auto loans · up to 60 months

    Credit union · 1 branch

    3.99%APRas low as
  6. Top Carrot, Carrot Score 88
    ONE Credit UnionAuto Loans · 49–60 months

    Credit union · 3 branches

    3.99%APRas low as
  7. Top Carrot, Carrot Score 94
    Town of Cheektowaga Federal Credit UnionNew automobile · up to 60 months

    Credit union · 1 branch

    3.99%APRas low as
  8. Top Carrot, Carrot Score 94
    MOOG Employees FCUNew Auto Loans · 12–60 months

    Credit union · 1 branch

    3.99%APRas low as
  9. Top Carrot, Carrot Score 87
    Sweet Home Federal Credit UnionNew Automobile – Model years 2025 or newer · up to 72 months

    Credit union · 1 branch

    3.99%APRas low as
  10. Top Carrot, Carrot Score 89
    Circuit Federal Credit UnionNew Auto Loans · up to 72 months

    Credit union · 2 branches

    4.00%APRas low as
  11. Top Carrot, Carrot Score 87
    Broadview Federal Credit UnionVehicle Loan · up to 60 months

    Credit union · 4 branches

    4.24%APRas low as
  12. Top Carrot, Carrot Score 93
    Buffalo Conrail Federal Credit UnionAuto Loans · up to 72 months

    Credit union · 1 branch

    4.25%APRas low as
  13. Local 41 IBEW FCUAuto Loan · up to 84 months

    Credit union · 1 branch

    4.50%APRas low as
  14. Top Carrot, Carrot Score 89
    Good NeighborsAuto Loans · up to 60 months

    Credit union · 2 branches

    4.70%APRas low as
  15. Top Carrot, Carrot Score 91
    BufMet Credit UnionAuto Loan

    Credit union · 1 branch

    4.70%APRas low as

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 Erie County, NY

35 banks and credit unions · checked Oct 16–22

Typical
4.95%
Top 10% up to
3.85%
Banks, typical
6.79%
Credit unions, typical
4.72%

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Buffalo, NY metro

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. Ontario Shores FCUCredit union · 4 branches
  2. SJP Federal Credit UnionCredit union · 1 branch
  3. Niagara's ChoiceCredit union · 5 branches
See all ranked institutions

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