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 181–188 of 188 in New York · median 4.99% APR
- 7.54%APRas low as
Terms
New and Current Used (Model Year 2025-2027)
Auto loan score 61 · Carrot Score 63
Rate checked · Auto loans rates on its site
Rates and branches - 7.68%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New vehicles; 72 months term; assumes $25,000 loan amount, minimum credit score of 720, auto-deduction from Wayne Bank checking account, $125 loan documentation fee. APR increases by .25% without automatic deduction, and by 1.00% for vehicles over 5 model years. Monthly payment per $1,000 borrowed is $17.29.
Auto loan score 60 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - 7.75%APRas low as
Terms
Estimated Monthly Payment (Based on $10,000 loan): $174.11 Computed for a 6 year loan. Certain Conditions Apply.
Auto loan score 60 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - Crouse Federal Credit UnionOlder Vehicles (2018 and Older) - Automobiles (07/13/2026 Rate Sheet) · up to 60 months
Credit union · 1 branch
7.99%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Based on Experian credit score 680+ and automatic payment.
Auto loan score 60 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 7.99%APRas low as · up to 11.99%
7.99% APR, up to 11.99%
Auto loan score 60 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 8.00%APRas low as
Terms
Monthly payment per $1,000 is $20.28.
Auto loan score 60 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - Saratoga's Community Federal Credit UnionAuto, Truck, Motorcycle · 49–60 months
Credit union · 2 branches
8.00%APRas low asAuto loan score 60 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 8.13%APRas low as · up to 10.13%
8.13% APR, up to 10.13%
Terms
2022 & Newer model years. 8.125% APR for credit score 750 & Over, 9.125% APR for 700 - 750, 10.125% APR for 620 - 700.
Auto loan score 60 · Carrot Score 70
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 New York
188 banks and credit unions · checked Oct 16–23
- Typical
- 4.99%
- Top 10% up to
- 3.99%
- Banks, typical
- 6.50%
- 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
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Ontario Shores FCUCredit union · 5 branches
- Quorum Federal Credit UnionCredit union · 1 branch
- SJP Federal Credit UnionCredit union · 1 branch