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 1–15 of 17 in Nassau County, NY · median 4.99% APR
- 3.99%APRas low as · up to 17.99%
3.99% APR, up to 17.99%
Terms
New models under 2 years old; terms up to 84 months; 100% financing.
Auto loan score 89 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - Town of Hempstead Employees Federal Credit UnionNew Auto 2025-2026 · up to 60 months
Credit union · 2 branches
4.00%APRas low asTerms
As low as rate
Auto loan score 94 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
Rate is as low as 4.25%; subject to credit approval. Applicants not approved at these rates or terms may be offered credit at a higher rate and/or different terms.
Auto loan score 89 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 4.29%APRas low as
Terms
As low as rate for 37-60 months on new vehicles (2025 and newer model years). Assumes excellent credit.
Auto loan score 88 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Promotional rate valid 10/1/26–12/31/26. Refinancing an existing auto loan with NCPD Federal Credit Union does not qualify for this promotional rate, the refinance must be a new loan to NCPD FCU.
Auto loan score 85 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as · up to 8.25%
4.75% APR, up to 8.25%
Terms
Credit tiers A+ through C (Credit scores 600+)
Auto loan score 83 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Auto loan score 83 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Available on qualifying new and used auto purchase loans. Actual APR depends on creditworthiness, vehicle information, loan amount, and other underwriting criteria. No prepayment penalties.
Auto loan score 83 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - Ocean Financial Federal Credit UnionAuto Loans (2026-2027) · up to 66 months
Credit union · 4 branches
4.99%APRas low asTerms
Estimated monthly payment of $17.36 per $1,000.00 borrowed for new car terms of 66 months. Minimum auto loan is $1,000.
Auto loan score 78 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Advertised 'as low as' rate assumes excellent borrower credit history. Best loan rates include a 0.25 percentage-point direct deposit rate discount when a Qualifying Direct Deposit is established on an Everyday Hero Checking account within 60 days of loan funding. Current model year (max 5,000 miles). Term 37-60 months. Minimum loan amount $10,000.
Auto loan score 71 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.14%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Up to 90% LTV; assumes discounts for Auto Pay & Direct Deposit.
Auto loan score 74 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As low as APR requires automatic monthly payment. 49 to 66 months.
Auto loan score 79 · Carrot Score 95
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 - 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
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 Nassau County, NY
17 banks and credit unions · checked Oct 15–22
- Typical
- 4.99%
- Top 10% up to
- 4.15%
- Banks, typical
- 6.00%
- 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