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 1–9 of 9 in Cicero, NY · median 5.52% APR
- 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 - 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 - 5.49%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 - 5.52%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New Auto - 2025-2027. Minimum loan amount $2,000 on terms up to 75 months. Advertised APR includes 0.25% discount for automatic payments from Direct Rewards, Emerald, or High Interest checking.
Auto loan score 72 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.59%APRas low as
Terms
Vehicle: New & Used Autos (2027-2024)
Auto loan score 67 · Carrot Score 71
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
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 Cicero, NY
9 banks and credit unions · checked Oct 16–22
- Typical
- 5.52%
- Top 10% up to
- 4.64%
- Banks, typical
- 5.94%
- Credit unions, typical
- 5.00%
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