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 106–120 of 188 in New York · median 4.99% APR
- 5.04%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model year 2024 or newer. Reflects 0.25% auto-pay discount.
Auto loan score 76 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.04%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes 0.50% discount for auto pay from a CCFCU checking or savings account. Promotion includes no payments for 60 days. Rates as low as 5.04% APR.
Auto loan score 72 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - Family First Federal Credit UnionNew Auto Loan (2025 and Newer Models) · 1–60 months
Credit union · 5 branches
5.05%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As low as rate. Includes 0.50% special discount for having direct deposit or automatic payments AND 0.25% discount for LTV (loan to value) of 80% or lower MSRP.
Auto loan score 76 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.14%APRas low as
Terms
Monthly payment of $18.94 per thousand borrowed.
Auto loan score 77 · 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 - Greater Chautauqua Federal Credit UnionNew Autos (2 Years and Newer) · 49–60 months
Credit union · 4 branches
5.20%APRas low asTerms
Rates are based on borrower's credit history and length of the loan. Borrow a minimum of $5,000 and up.
Auto loan score 73 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.23%APRas low as
Terms
Rates as low as stated. Repayment term 49 to 60 months.
Auto loan score 74 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - Oswego Teachers Employees Federal Credit UnionNewer Vehicles (2025-2027) · up to 66 months
Credit union · 1 branch
5.24%APRas low asTerms
Rate as low as based on credit score 680+; rate may be reduced by 0.25% with payroll deduction or direct deposit of Social Security or Pension.
Auto loan score 79 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - Self Reliance Financial Federal Credit UnionNew Vehicle Loan · 49–66 months
Credit union · 5 branches
5.24%APRas low aswith conditionsThis 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 - 5.24%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 - State CS Employees Federal Credit UnionAuto & Motorcycle Loans · up to 60 months
Credit union · 2 branches
5.24%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates include a 0.25% rate discount for automatic payments and a 0.25% rate discount for having an active State CS Checking account. Subject to loan approval; rates vary by credit, collateral and term.
Auto loan score 73 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - Heritage Financial Credit UnionTier 1 Auto (Model Years 2024-Present) · up to 84 months
Credit union · 12 branches
5.24%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Fixed APR as low as 5.24%. Includes 0.50% discount for automatic payments. Maximum term is 84 months.
Auto loan score 71 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - SECNY Federal Credit UnionNEW Electric Cars & Motorcycles: 2026 - 2024 Model Years · up to 60 months
Credit union · 6 branches
5.25%APRas low asAuto loan score 73 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Rate is APR as low as; determined based on credit history/score.
Auto loan score 73 · Carrot Score 80
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 · 5 branches
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
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 16–22
- 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