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 16–27 of 27 in Bronx, NY · median 4.99% APR
- 5.24%APRas low as
Terms
As low as APR. Rates are valid as of October 1, 2026 and subject to change. Rates may vary based on terms as well as credit history. 0% to 20% down payment; terms between 36 and 84 months; new or used cars.
Auto loan score 79 · Carrot Score 97
Rate checked · Auto loans rates on its site
Rates and branches - 5.34%APRas low as · up to 20.69%with conditions
5.34% APR, up to 20.69%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Available to well-qualified applicants. Includes a 0.25% discount for automated payment from a PNC checking account set up at loan closing; rate increases 0.25% if automated payment is discontinued. Available for 2018-2027 model year non-commercial vehicles with up to 80,000 miles (up to 100,000 miles based on credit qualifications).
Auto loan score 71 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.39%APRas low as
Terms
Payment example per $1,000 borrowed: $19.09.
Auto loan score 72 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.53%APRas low as
Terms
Rates and payment examples assume excellent borrower credit history, a 60-month term and an LTV of 90% or less. Rate applies to loan amounts up to $100,000 (minimum loan amount $3,750). Terms up to 96 months and borrowing up to 115% LTV are available at higher rates based on creditworthiness. $20,000 minimum amount financed required for terms of 85-96 months. Optional payment deferral allows interest to accrue during 90-day period.
Auto loan score 68 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 5.64%APRas low as
Terms
Advertised as-low-as APR assumes excellent borrower credit history and is specific to VA. Advertised rate does not include additional BofA Rewards interest rate discount of 0.10% to 0.50%. Rate guaranteed for 30 days from application approval.
Auto loan score 66 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - Generations United Federal Credit UnionNEW AUTO LOAN (25-23) · up to 72 months
Credit union · 1 branch
5.74%APRas low asTerms
New (never titled) auto loans
Auto loan score 69 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.77%APRas low as
Terms
As low as rate for a new Capital One auto loan in October for individuals with excellent credit characteristics.
Auto loan score 65 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 6.00%APRas low as
Terms
Fixed rate starting at 6.00% APR for terms ranging from 6 months to 6 years (up to 6 years). Shorter loan terms qualify for lower rates.
Auto loan score 66 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as
Terms
Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
Auto loan score 65 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as
Terms
Based on 60 months and $45,000 financing amount with $0 down payment for online applicants with excellent credit. Rate discount of 0.25% may be available for Chase customers maintaining an average daily combined balance of $150,000 or more across eligible accounts.
Auto loan score 64 · Carrot Score 60
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 - Van Cortlandt Cooperative Federal Credit Union (VCCFCU)New Vehicles · 48–60 months
Credit union · 1 branch
6.99%APRas low asTerms
5 year Automobile Loan; maximum amount financed up to 100%
Auto loan score 61 · Carrot Score 75
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 Bronx, NY
27 banks and credit unions · checked Oct 16–22
- Typical
- 4.99%
- Top 10% up to
- 4.45%
- Banks, typical
- 5.77%
- Credit unions, typical
- 4.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
New York, NY-NJ metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Quorum Federal Credit UnionCredit union · 1 branch
- BTG Pactual Bank, National AssociationBank · 1 branch
- USALLIANCE FinancialCredit union · 3 branches