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 1–13 of 13 in Buffalo, NY · median 5.25% APR
- 2.74%APRas low aswith conditionsunusually low · being checked
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Applies to new/used model years 2026–2027. Rate reflects direct deposit and autopay. Fall Auto Loan Sale promotional rate valid Sept. 17–Oct. 31, 2026; loans must be booked by Nov. 7, 2026.
Auto loan score 94 · Carrot Score 96
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
- 3.99%APRas low as
Terms
49 to 60 months. Advertised rate is as low as and determined by creditworthiness. At 3.99% APR with a 60-month term, you will make 60 monthly payments of $18.42 per $1,000 of the loan.
Auto loan score 94 · Carrot Score 88
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 - 4.70%APRas low as
Terms
Rate disclosed is quoted for A+ credit and will be available starting 1/28/2026. Additional loyalty discounts may apply to reduce these rates further. Call us for details at 716-681-1460. Some restrictions may apply.
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.70%APRas low as
Terms
Vehicle year 2025 & newer; purchased or refinanced from another lender; credit history determines rate and term
Auto loan score 86 · Carrot Score 91
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 - 5.25%APRas low as
Terms
Published rates for credit scores 680-779. Model years 2026-2027.
Auto loan score 72 · Carrot Score 70
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 - 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 - 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 - 7.00%APRas low as
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 Buffalo, NY
13 banks and credit unions · checked Oct 16–22
- Typical
- 5.25%
- Top 10% up to
- 3.99%
- Banks, typical
- 6.24%
- Credit unions, typical
- 4.70%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Buffalo, NY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Ontario Shores FCUCredit union · 4 branches
- SJP Federal Credit UnionCredit union · 1 branch
- Niagara's ChoiceCredit union · 5 branches