New York Best Auto Loan Rates - October 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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- Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in New York. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
New York auto loan rates range from 1.99% to 4.69% APR, verified by MonitorBankRates as of October 13, 2026. Current auto loan rates in New York include Boulevard Federal Credit UnionBoulevard Federal Credit Union2787 Niagara Falls Blvd, Amherst, NY, 14228A+5.0 ★Texas Ratio: 2.05% offering Auto Loan - Models 2025-2027 at 1.99%, Triboro Postal Federal Credit UnionTriboro Postal Federal Credit Union14202 20th Ave, Flushing, NY, 11351 3000A+5.0 ★Texas Ratio: 3.95% offering New Car Loan at 2.25%, Meridia Community Federal Credit UnionMeridia Community Federal Credit Union4500 Southwestern Blvd, Hamburg, NY, 14075A+5.0 ★Texas Ratio: 1.14% offering New Auto Loan at 2.99%, Polish And Slavic Federal Credit UnionPolish And Slavic Federal Credit Union100 McGuinness Blvd, Brooklyn, NY, 11222A+5.0 ★Texas Ratio: 1.64% offering New Auto Loan at 2.99%, Afgm Enterprises Federal Credit UnionAfgm Enterprises Federal Credit Union132 Cayuga Rd, Cheektowaga, NY, 14225A+5.0 ★Texas Ratio: 2.87% offering New Auto / Truck at 3.00%. Auto loan rates as of October 13, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across New York side-by-side. New York auto loan rates currently start as low as 1.99% APR from Boulevard Federal Credit Union at 2787 Niagara Falls Blvd, Amherst, NY, 14228. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in New York. Auto Loan Rates Last Updated and Verified: October 13, 2026
Compare Auto Loan Rates Today in New York
New York Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Boulevard Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.05%
2787 Niagara Falls Blvd, Amherst, NY, 14228
Auto Loan - Models 2025-2027
1.99%
24 Months
▼
APR1.99%
Term24 Months
Last UpdatedOct 13, 2026
Details
As Low As; Terms for models 2025-2027
Rate History
No change since Oct 13, 2026 · 1.99% APR
Triboro Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
14202 20th Ave, Flushing, NY, 11351 3000
New Car Loan
2.25%
36 months
▼
APR2.25%
Term36 months
Last UpdatedOct 12, 2026
Details
20 - 21
Rate History
No change since Sep 16, 2026 · 2.25% APR · checked 6 times
Meridia Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
4500 Southwestern Blvd, Hamburg, NY, 14075
New Auto Loan
2.99%
Up to 60 months
▼
APR2.99%
TermUp to 60 months
Last UpdatedOct 12, 2026
Details
As Low As; Model Year: 2026 and newer; APR determined by credit score and model year
Rate History
No change since Oct 4, 2026 · 2.99% APR · checked 3 times
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
100 McGuinness Blvd, Brooklyn, NY, 11222
New Auto Loan
2.99%
4 years
▼
APR2.99%
Interest Rate2.99%
Term4 years
Last UpdatedOct 13, 2026
Details
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 8 times
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
100 McGuinness Blvd, Brooklyn, NY, 11222
New Auto Loan
2.99%
3 years
▼
APR2.99%
Interest Rate2.99%
Term3 years
Last UpdatedOct 13, 2026
Details
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 8 times
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
100 McGuinness Blvd, Brooklyn, NY, 11222
New Auto Loan
2.99%
2 years
▼
APR2.99%
Interest Rate2.99%
Term2 years
Last UpdatedOct 13, 2026
Details
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 8 times
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
100 McGuinness Blvd, Brooklyn, NY, 11222
New Auto Loan
2.99%
1 year
▼
APR2.99%
Interest Rate2.99%
Term1 year
Last UpdatedOct 13, 2026
Details
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 8 times
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
132 Cayuga Rd, Cheektowaga, NY, 14225
New Auto / Truck
3.00%
60 months
▼
APR3.00%
Term60 months
Last UpdatedOct 13, 2026
Details
GAP (Guaranteed Asset Protection) Insurance Available
Rate History
No change since Sep 14, 2026 · 3.00% APR · checked 9 times
Allegany First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
27 W Main St, Fillmore, NY, 14735
Vehicle Loan
3.25%
48 Months
▼
APR3.25%
Term48 Months
Last UpdatedOct 13, 2026
Details
As Low As; Model Year: 2025 or Newer
Rate History
No change since Oct 5, 2026 · 3.25% APR · checked 3 times
Financial Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
3333 Harlem Rd, Cheektowaga, NY, 14225
New Auto Loan
3.29%
From 12 to 60 Months
▼
APR3.29%
Interest Rate3.29%
TermFrom 12 to 60 Months
Last UpdatedOct 12, 2026
Details
Current Interest Rate Loan Special
Rate History
No change since Sep 25, 2026 · 3.29% APR · checked 2 times
Meridia Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
4500 Southwestern Blvd, Hamburg, NY, 14075
Used Auto Loan
3.29%
Up to 60 months
▼
APR3.29%
TermUp to 60 months
Last UpdatedOct 12, 2026
Details
As Low As; Model Year: 2021-2026; APR determined by credit score and model year
Rate History
No change since Oct 4, 2026 · 3.29% APR · checked 3 times
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
LaGuardia Airport Hangar 3 Room 122, Flushing, NY, 11371
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details
As Low As; Auto & Recreational Loans
Rate History
No change since Sep 14, 2026 · 3.34% APR · checked 7 times
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.87%
26 Federal Plz Fl 31, New York, NY, 10278 1300
New Auto / Truck Loan
3.49%
24 Months
▼
APR3.49%
Term24 Months
Last UpdatedOct 13, 2026
Details
As Low As; With Direct Deposit (minimum $500 per month); New vehicles 2026 & 2025 models with 10,000 miles or less
Rate History
No change since Oct 5, 2026 · 3.49% APR · checked 3 times
Lower East Side Peoples Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.13%
37 AVENUE B, NEW YORK, NY, 10009
New Auto Loan
3.49%
Up to 84 Months
▼
APR3.49%
TermUp to 84 Months
Last UpdatedOct 13, 2026
Details
As Low As; Financing: 100%; Subject to approval based on credit score
Rate History
No change since Sep 14, 2026 · 3.49% APR · checked 8 times
ALCO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New auto loans
3.50%
24 months
▼
APR3.50%
Term24 months
Last UpdatedSep 27, 2026
Details
Published APR range: 3.50% - 13.75%.
Rate History
No change since Sep 14, 2026 · 3.50% APR · checked 4 times
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
132 Cayuga Rd, Cheektowaga, NY, 14225
New Auto / Truck
3.50%
61 - 72 months
▼
APR3.50%
Term61 - 72 months
Last UpdatedOct 13, 2026
Details
GAP (Guaranteed Asset Protection) Insurance Available
Rate History
No change since Sep 14, 2026 · 3.50% APR · checked 9 times
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
100 McGuinness Blvd, Brooklyn, NY, 11222
New Auto Loan
3.50%
5 years
▼
APR3.50%
Interest Rate3.50%
Term5 years
Last UpdatedOct 13, 2026
Details
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
Rate History
No change since Sep 14, 2026 · 3.50% APR · checked 9 times
Allegany First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
27 W Main St, Fillmore, NY, 14735
Vehicle Loan
3.50%
60 Months
▼
APR3.50%
Term60 Months
Last UpdatedOct 13, 2026
Details
As Low As; Model Year: 2025 or Newer
Rate History
No change since Oct 5, 2026 · 3.50% APR · checked 3 times
Circuit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
3234 Union Rd, CHEEKTOWAGA, NY, 14227 1044
New Auto Loans
3.59%
36 Months
▼
APR3.59%
Interest Rate3.59%
Term36 Months
Last UpdatedOct 13, 2026
Details
As Low As; Effective as of July 17, 2026
Rate History
No change since Sep 17, 2026 · 3.59% APR · checked 8 times
Actors Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.48%
165 W 46th St, New York, NY, 10036 2508
Auto Loans
3.74%
2-Year
▼
APR3.74%
Term2-Year
Last UpdatedOct 13, 2026
Details
Rate History
No change since Oct 9, 2026 · 3.74% APR · checked 2 times
Radius Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.60%
2853 Delaware Ave, Kenmore, NY, 14217 2719
Auto Loan - Model Year 2024-2026
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details
As Low As; Auto (new/used/refinance); Model Year 2024-2026
Rate History
No change since Oct 13, 2026 · 3.74% APR
Boulevard Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.05%
2787 Niagara Falls Blvd, Amherst, NY, 14228
Auto Loan - Models 2025-2027
3.75%
36 Months
▼
APR3.75%
Term36 Months
Last UpdatedOct 13, 2026
Details
As Low As; Terms for models 2025-2027
Rate History
No change since Oct 13, 2026 · 3.75% APR
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
New & Used Autos
3.75%
24 Months
▼
APR3.75%
Term24 Months
Last UpdatedOct 13, 2026
Details
As Low As; $100,000 Max-100% of Invoice Including Sales Tax on New Vehicles - 100% Retail J.D. Power Loan Value With No Options on Used Vehicles
Rate History
1 change since Sep 17, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 5, 20263.75%▲ from 3.50%
- Sep 17, 20263.50%first recorded
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
New & Used Autos
3.75%
36 Months
▼
APR3.75%
Term36 Months
Last UpdatedOct 13, 2026
Details
As Low As; $100,000 Max-100% of Invoice Including Sales Tax on New Vehicles - 100% Retail J.D. Power Loan Value With No Options on Used Vehicles
Rate History
1 change since Sep 17, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 5, 20263.75%▲ from 3.50%
- Sep 17, 20263.50%first recorded
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
New & Used Autos
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedOct 13, 2026
Details
As Low As; $100,000 Max-100% of Invoice Including Sales Tax on New Vehicles - 100% Retail J.D. Power Loan Value With No Options on Used Vehicles
Rate History
1 change since Sep 17, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 5, 20263.75%▲ from 3.50%
- Sep 17, 20263.50%first recorded
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
New & Used Autos
3.75%
60 Months
▼
APR3.75%
Term60 Months
Last UpdatedOct 13, 2026
Details
As Low As; $100,000 Max-100% of Invoice Including Sales Tax on New Vehicles - 100% Retail J.D. Power Loan Value With No Options on Used Vehicles
Rate History
1 change since Sep 17, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 5, 20263.75%▲ from 3.50%
- Sep 17, 20263.50%first recorded
Kaleida Health Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
100 High St, Buffalo, NY, 14203 1126
Vehicle Loan
3.75%
Up to 36 months
▼
APR3.75%
TermUp to 36 months
Last UpdatedOct 13, 2026
Details
As Low As; Rates based at 740 and higher credit score; subject to approval
Rate History
No change since Oct 13, 2026 · 3.75% APR
Kaleida Health Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
100 High St, Buffalo, NY, 14203 1126
Vehicle Loan
3.75%
Up to 36 months
▼
APR3.75%
TermUp to 36 months
Last UpdatedOct 13, 2026
Details
Term: Up to 36 months (2021- 2026); As Low As; Model Year: 2021-2026
Rate History
No change since Oct 13, 2026 · 3.75% APR
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3251 BROADWAY St, CHEEKTOWAGA, NY, 14227 1033
New automobile
3.75%
36 months
▼
APR3.75%
Term36 months
Last UpdatedOct 13, 2026
Details
Risk based scoring premium may apply by FICO score
Rate History
1 change since Sep 14, 2026 · 3.49% → 3.75% ▲ 0.26 pts · high 3.75% / low 3.49%
- Oct 5, 20263.75%▲ from 3.49%
- Sep 14, 20263.49%first recorded
New York University Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
726 Broadway Ste 110, New York, NY, 10003 9616
New Electric Vehicle Loan
3.75%
Up to 48 months
▼
APR3.75%
TermUp to 48 months
Last UpdatedOct 13, 2026
Details
Credit Score: 760+; Credit Tier: A+
Rate History
No change since Oct 13, 2026 · 3.75% APR
Circuit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
3234 Union Rd, CHEEKTOWAGA, NY, 14227 1044
New Auto Loans
3.79%
48 Months
▼
APR3.79%
Interest Rate3.79%
Term48 Months
Last UpdatedOct 13, 2026
Details
As Low As; Effective as of July 17, 2026
Rate History
No change since Sep 17, 2026 · 3.79% APR · checked 8 times
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
300 Crosspoint Pkwy, Getzville, NY, 14068 1606
Auto Loans - 2025 & Newer
3.84%
0 - 36 Months
▼
APR3.84%
Term0 - 36 Months
Last UpdatedOct 10, 2026
Details
As Low As; Loan Term
Rate History
2 changes since Sep 14, 2026 · 3.49% → 3.84% ▲ 0.35 pts · high 3.84% / low 3.49%
- Oct 10, 20263.84%▲ from 3.64%
- Sep 18, 20263.64%▲ from 3.49%
- Sep 14, 20263.49%first recorded
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
LaGuardia Airport Hangar 3 Room 122, Flushing, NY, 11371
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details
As Low As; Auto & Recreational Loans
Rate History
No change since Sep 14, 2026 · 3.84% APR · checked 7 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
437 Main St, Highland Falls, NY, 10928 2085
New Auto Loan
3.89%
12-36 Months
▼
APR3.89%
Term12-36 Months
Last UpdatedOct 10, 2026
Details
As Low As
Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
437 Main St, Highland Falls, NY, 10928 2085
New Vehicle Loan
3.89%
up to 36 months
▼
APR3.89%
Termup to 36 months
Last UpdatedOct 10, 2026
Details
As Low As; Rates subject to change.
Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
Circuit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
3234 Union Rd, CHEEKTOWAGA, NY, 14227 1044
New Auto Loans
3.89%
60 Months
▼
APR3.89%
Interest Rate3.89%
Term60 Months
Last UpdatedOct 13, 2026
Details
As Low As; Effective as of July 17, 2026
Rate History
No change since Sep 17, 2026 · 3.89% APR · checked 8 times
NIAGARAS CHOICE
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
3619 Packard Rd, Niagara Falls, NY, 14303 2224
New Auto
3.90%
24 to 66 months
▼
APR3.90%
Term24 to 66 months
Last UpdatedOct 10, 2026
Details
Rate includes auto-pay discount of .25%
Rate History
1 change since Sep 18, 2026 · 3.70% → 3.90% ▲ 0.20 pts · high 3.90% / low 3.70%
- Oct 6, 20263.90%▲ from 3.70%
- Sep 18, 20263.70%first recorded
NIAGARAS CHOICE
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
3619 Packard Rd, Niagara Falls, NY, 14303 2224
Used Auto
3.90%
24 to 66 months
▼
APR3.90%
Term24 to 66 months
Last UpdatedOct 10, 2026
Details
Rate includes auto-pay discount of .25%
Rate History
1 change since Sep 18, 2026 · 3.70% → 3.90% ▲ 0.20 pts · high 3.90% / low 3.70%
- Oct 6, 20263.90%▲ from 3.70%
- Sep 18, 20263.70%first recorded
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
2890 Transit Rd, Newfane, NY, 14108 9740
New/Used Auto
3.90%
Up to 36 months
▼
APR3.90%
TermUp to 36 months
Last UpdatedOct 13, 2026
Details
As Low As
Rate History
No change since Sep 14, 2026 · 3.90% APR · checked 9 times
Division 726 Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.62%
4886 ARTHUR KILL RD, STATEN ISLAND, NY, 10309
New Auto (Up to 72 Months)
3.95%
Up to 72 Months
▼
APR3.95%
Interest Rate3.95%
TermUp to 72 Months
Last UpdatedOct 13, 2026
Details
Rate History
No change since Sep 14, 2026 · 3.95% APR · checked 3 times
One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
130 S Elmwood Ave Ste 126, Buffalo, NY, 14202 2465
New & Used Cars and Trucks Loan
3.99%
Up to 24 months
▼
APR3.99%
Interest Rate3.99%
TermUp to 24 months
Last UpdatedOct 9, 2026
Details
Limited Time Special Rate! This is a limited time special rate offer and can expire at anytime without notice. Rates apply to new and used vehicles, or a refinanced auto loan from another lender or a leased auto buyout.
Rate History
No change since Oct 9, 2026 · 3.99% APR
One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
130 S Elmwood Ave Ste 126, Buffalo, NY, 14202 2465
New & Used Cars and Trucks Loan
3.99%
25 to 36 months
▼
APR3.99%
Interest Rate3.99%
Term25 to 36 months
Last UpdatedOct 9, 2026
Details
Limited Time Special Rate! This is a limited time special rate offer and can expire at anytime without notice. Rates apply to new and used vehicles, or a refinanced auto loan from another lender or a leased auto buyout.
Rate History
No change since Oct 9, 2026 · 3.99% APR
One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
130 S Elmwood Ave Ste 126, Buffalo, NY, 14202 2465
New & Used Cars and Trucks Loan
3.99%
37 to 48 months
▼
APR3.99%
Interest Rate3.99%
Term37 to 48 months
Last UpdatedOct 9, 2026
Details
Limited Time Special Rate! This is a limited time special rate offer and can expire at anytime without notice. Rates apply to new and used vehicles, or a refinanced auto loan from another lender or a leased auto buyout.
Rate History
No change since Oct 9, 2026 · 3.99% APR
One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
130 S Elmwood Ave Ste 126, Buffalo, NY, 14202 2465
New & Used Cars and Trucks Loan
3.99%
49 to 60 months
▼
APR3.99%
Interest Rate3.99%
Term49 to 60 months
Last UpdatedOct 9, 2026
Details
Limited Time Special Rate! This is a limited time special rate offer and can expire at anytime without notice. Rates apply to new and used vehicles, or a refinanced auto loan from another lender or a leased auto buyout.
Rate History
No change since Oct 9, 2026 · 3.99% APR
Broadview Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.36%
256 Hoosick St, Troy, NY, 12180
Vehicle Loan
3.99%
2 years
▼
APR3.99%
Term2 years
Last UpdatedOct 10, 2026
Details
All rates quoted are the lowest available rates. Actual rate will be based on overall creditworthiness. Other rates and terms may apply. A representative monthly payment for a 24 month vehicle loan at 3.99% APR is Rates accurate as of 10/9/2026 11:30 AM and subject to change without notice. Broadview membership is required.
Rate History
1 change since Sep 14, 2026 · 4.24% → 3.99% ▼ 0.25 pts · high 4.24% / low 3.99%
- Oct 10, 20263.99%▼ from 4.24%
- Sep 14, 20264.24%first recorded
MOOG EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
7181 SENECA St, EAST AURORA, NY, 14052 0018
New Auto Loans
3.99%
12-60 months
▼
APR3.99%
Term12-60 months
Last UpdatedOct 10, 2026
Details
Up to $100,000.00; New purchases only (excludes refinances on existing MEFCU loans)
Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 4 times
MOOG EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
7181 SENECA St, EAST AURORA, NY, 14052 0018
Used Auto Loans
3.99%
12-24 months
▼
APR3.99%
Term12-24 months
Last UpdatedOct 10, 2026
Details
Up to $100,000.00; Used purchases only (excludes refinances on existing MEFCU loans)
Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 4 times
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.87%
800 Poly Pl Rm 1110, Brooklyn, NY, 11209 7104
New or Used Vehicles Loan
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedOct 10, 2026
Details
As Low As; Auto Pay Discount: 3.89%
Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 7 times
Triboro Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
14202 20th Ave, Flushing, NY, 11351 3000
Used Car Loan
3.99%
60 months
▼
APR3.99%
Term60 months
Last UpdatedOct 12, 2026
Details
18 - 19
Rate History
No change since Sep 16, 2026 · 3.99% APR · checked 6 times
Remington Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
39 Central Plz, Ilion, NY, 13357
New Automobiles & Motorcycles
3.99%
1-30 months
▼
APR3.99%
Term1-30 months
Last UpdatedOct 12, 2026
Details
As Low As; Model Year: 2023 - 2027
Rate History
No change since Sep 16, 2026 · 3.99% APR · checked 3 times
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
New Auto Loan: 2021-2027 Model Years
3.99%
24 months
▼
APR3.99%
Term24 months
Last UpdatedOct 12, 2026
Details
As Low As; Terms up to 24 months
Rate History
No change since Sep 16, 2026 · 3.99% APR · checked 5 times
Crossroads Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
3031 William St, Cheektowaga, NY, 14227
New Auto (2025 & 2026)
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details
Rate History
No change since Oct 12, 2026 · 3.99% APR
Crossroads Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
3031 William St, Cheektowaga, NY, 14227
New Auto (2025 & 2026)
3.99%
37 - 60 months
▼
APR3.99%
Term37 - 60 months
Last UpdatedOct 12, 2026
Details
Rate History
No change since Oct 12, 2026 · 3.99% APR
Crossroads Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
3031 William St, Cheektowaga, NY, 14227
Used Auto (2021 - 2025)
3.99%
Up to 60 months
▼
APR3.99%
TermUp to 60 months
Last UpdatedOct 12, 2026
Details
Rate History
No change since Oct 12, 2026 · 3.99% APR
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.00%
497 Electronics Pkwy, Liverpool, NY, 13088 6062
Vehicle Loan
3.99%
Up to 48 months
▼
APR3.99%
TermUp to 48 months
Last UpdatedOct 12, 2026
Details
As Low As; Rate includes a 0.25% discount with Automatic Payment from a GE Credit Union account; Finance 100% of purchase price
Rate History
No change since Oct 12, 2026 · 3.99% APR
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.00%
497 Electronics Pkwy, Liverpool, NY, 13088 6062
Vehicle Loan
3.99%
Up to 60 months
▼
APR3.99%
TermUp to 60 months
Last UpdatedOct 12, 2026
Details
As Low As; Rate includes a 0.25% discount with Automatic Payment from a GE Credit Union account; Finance 100% of purchase price
Rate History
No change since Oct 12, 2026 · 3.99% APR
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
390 W Seneca St, Sherrill, NY, 13461
Vehicle Loans - Model Years 2024 and newer
3.99%
1 - 48 Months
▼
APR3.99%
Term1 - 48 Months
Last UpdatedOct 12, 2026
Details
As Low As
Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 4 times
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
390 W Seneca St, Sherrill, NY, 13461
Vehicle Loans - Model Years 2024 and newer
3.99%
49 - 60 Months
▼
APR3.99%
Term49 - 60 Months
Last UpdatedOct 12, 2026
Details
As Low As
Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 4 times
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
390 W Seneca St, Sherrill, NY, 13461
Vehicle Loans - Model Years 2024 and newer
3.99%
61 - 72 Months
▼
APR3.99%
Term61 - 72 Months
Last UpdatedOct 12, 2026
Details
As Low As
Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 4 times
TrailNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
1178 NYS Route 9N, Ticonderoga, NY, 12883 3106
Auto Loan - New & Late Model Used 6 Years or Newer
3.99%
Up to 24 months
▼
APR3.99%
TermUp to 24 months
Last UpdatedOct 12, 2026
Details
As Low As; Max Mileage for Auto Loans is 150,000
Rate History
No change since Oct 12, 2026 · 3.99% APR
Meridia Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
4500 Southwestern Blvd, Hamburg, NY, 14075
New Auto Loan
3.99%
61-75 months
▼
APR3.99%
Term61-75 months
Last UpdatedOct 12, 2026
Details
As Low As; Model Year: 2026 and newer; APR determined by credit score and model year
Rate History
No change since Oct 4, 2026 · 3.99% APR · checked 3 times
Sweet Home Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
1960 Sweet Home Rd, Amherst, NY, 14228 3346
New Automobile - Model years 2025 or newer
3.99%
60 Months
▼
APR3.99%
Interest Rate3.99%
Term60 Months
Last UpdatedOct 13, 2026
Details
As Low As; Model years 2025 or newer
Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 8 times
Sweet Home Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
1960 Sweet Home Rd, Amherst, NY, 14228 3346
New Automobile - Model years 2025 or newer
3.99%
72 Months
▼
APR3.99%
Interest Rate3.99%
Term72 Months
Last UpdatedOct 13, 2026
Details
As Low As; Model years 2025 or newer
Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 8 times
Rome Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
924 Turin St, Rome, NY, 13440
New & Used Autos & Motorcycles - 2022-2027
3.99%
5 years
▼
APR3.99%
Term5 years
Last UpdatedOct 13, 2026
Details
As Low As; Model Year: 2022-2027; Rate based on member relationship; membership eligibility required
Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 2 times
Niagara Wheatfield Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.90%
2346 SAUNDERS SETTLEMENT RD, SANBORN, NY, 14132
New & Used Vehicles Loan
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedOct 13, 2026
Details
Rates may be higher based on credit score; Certain Conditions Apply
Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 7 times
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
1937 Union Rd, West Seneca, NY, 14224
New Vehicles / Motorcycles Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedOct 13, 2026
Details
As Low As; Model Years 2026-2022
Rate History
No change since Oct 13, 2026 · 3.99% APR
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.87%
26 Federal Plz Fl 31, New York, NY, 10278 1300
New Auto / Truck Loan
3.99%
24 Months
▼
APR3.99%
Term24 Months
Last UpdatedOct 13, 2026
Details
As Low As; Without Direct Deposit; New vehicles 2026 & 2025 models with 10,000 miles or less
Rate History
No change since Oct 5, 2026 · 3.99% APR · checked 3 times
Money Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
125 E Jefferson St, Syracuse, NY, 13202
Vehicle Loan
3.99%
1 Year
▼
APR3.99%
Interest Rate3.99%
Term1 Year
Last UpdatedOct 13, 2026
Details
Rate History
No change since Oct 13, 2026 · 3.99% APR
Money Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
125 E Jefferson St, Syracuse, NY, 13202
Vehicle Loan
3.99%
2 Year
▼
APR3.99%
Interest Rate3.99%
Term2 Year
Last UpdatedOct 13, 2026
Details
Rate History
No change since Oct 13, 2026 · 3.99% APR
Money Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
125 E Jefferson St, Syracuse, NY, 13202
Vehicle Loan
3.99%
3 Year
▼
APR3.99%
Interest Rate3.99%
Term3 Year
Last UpdatedOct 13, 2026
Details
Rate History
No change since Oct 13, 2026 · 3.99% APR
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
100 McGuinness Blvd, Brooklyn, NY, 11222
Used Auto Loans
3.99%
4 years
▼
APR3.99%
Interest Rate3.99%
Term4 years
Last UpdatedOct 13, 2026
Details
As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account
Rate History
No change since Sep 17, 2026 · 3.99% APR · checked 8 times
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
100 McGuinness Blvd, Brooklyn, NY, 11222
Used Auto Loans
3.99%
3 years
▼
APR3.99%
Interest Rate3.99%
Term3 years
Last UpdatedOct 13, 2026
Details
As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account
Rate History
No change since Sep 17, 2026 · 3.99% APR · checked 8 times
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
100 McGuinness Blvd, Brooklyn, NY, 11222
Used Auto Loans
3.99%
2 years
▼
APR3.99%
Interest Rate3.99%
Term2 years
Last UpdatedOct 13, 2026
Details
As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account
Rate History
No change since Sep 17, 2026 · 3.99% APR · checked 8 times
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
100 McGuinness Blvd, Brooklyn, NY, 11222
Used Auto Loans
3.99%
1 year
▼
APR3.99%
Interest Rate3.99%
Term1 year
Last UpdatedOct 13, 2026
Details
As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account
Rate History
No change since Sep 17, 2026 · 3.99% APR · checked 8 times
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
4311 Middle Settlement Rd, New Hartford, NY, 13413
New Auto Loans (2023-2027) - 1 to 60 months
3.99%
1 to 60 months
▼
APR3.99%
Term1 to 60 months
Last UpdatedOct 13, 2026
Details
As Low As; Membership eligibility required
Rate History
No change since Oct 13, 2026 · 3.99% APR
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
4311 Middle Settlement Rd, New Hartford, NY, 13413
New Auto Loans (2023-2027) - 61 to 66 months
3.99%
61 to 66 months
▼
APR3.99%
Term61 to 66 months
Last UpdatedOct 13, 2026
Details
As Low As; Membership eligibility required
Rate History
No change since Oct 13, 2026 · 3.99% APR
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3251 BROADWAY St, CHEEKTOWAGA, NY, 14227 1033
New automobile
3.99%
60 months
▼
APR3.99%
Term60 months
Last UpdatedOct 13, 2026
Details
Risk based scoring premium may apply by FICO score
Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 9 times
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3251 BROADWAY St, CHEEKTOWAGA, NY, 14227 1033
Used automobile 2021 - 2026
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedOct 13, 2026
Details
Risk based scoring premium may apply by FICO score
Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 9 times
Stewarts Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
2911 State Route 9, Ballston Spa, NY, 12020
Vehicle Loan
3.99%
Up to 60 months
▼
APR3.99%
TermUp to 60 months
Last UpdatedOct 13, 2026
Details
As Low As; .25% rate discount with auto pay or direct deposit; APR is as low as 3.99%; Rates subject to applicant's credit score and length of term
Rate History
No change since Oct 13, 2026 · 3.99% APR
Stewarts Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
2911 State Route 9, Ballston Spa, NY, 12020
Vehicle Loan
3.99%
Up to 60 months
▼
APR3.99%
TermUp to 60 months
Last UpdatedOct 13, 2026
Details
As Low As; .25% rate discount with auto pay or direct deposit; Rates subject to applicant's credit score and length of term
Rate History
No change since Oct 13, 2026 · 3.99% APR
Lower East Side Peoples Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.13%
37 AVENUE B, NEW YORK, NY, 10009
Used Auto Loan
3.99%
Up to 72 months
▼
APR3.99%
TermUp to 72 months
Last UpdatedOct 13, 2026
Details
As Low As; Financing: 100%; Subject to approval based on credit score
Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 8 times
Radius Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.60%
2853 Delaware Ave, Kenmore, NY, 14217 2719
Auto Loan - Model Year 2024-2026
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedOct 13, 2026
Details
As Low As; Auto (new/used/refinance); Model Year 2024-2026
Rate History
No change since Oct 13, 2026 · 3.99% APR
Radius Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.60%
2853 Delaware Ave, Kenmore, NY, 14217 2719
Auto Loan - Model Year 2024-2026
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedOct 13, 2026
Details
As Low As; Auto (new/used/refinance); Model Year 2024-2026
Rate History
No change since Oct 13, 2026 · 3.99% APR
Erie County Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
NY
New Auto Loans
3.99%
24 months
▼
APR3.99%
Interest Rate3.99%
Term24 months
Last UpdatedOct 13, 2026
Details
As Low As
Rate History
No change since Oct 13, 2026 · 3.99% APR
Erie County Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
NY
New Auto Loans
3.99%
36 months
▼
APR3.99%
Interest Rate3.99%
Term36 months
Last UpdatedOct 13, 2026
Details
As Low As
Rate History
No change since Oct 13, 2026 · 3.99% APR
Erie County Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
NY
New Auto Loans
3.99%
48 months
▼
APR3.99%
Interest Rate3.99%
Term48 months
Last UpdatedOct 13, 2026
Details
As Low As
Rate History
No change since Oct 13, 2026 · 3.99% APR
Erie County Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
NY
New Auto Loans
3.99%
60 months
▼
APR3.99%
Interest Rate3.99%
Term60 months
Last UpdatedOct 13, 2026
Details
As Low As
Rate History
No change since Oct 13, 2026 · 3.99% APR
ALCO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New auto loans
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedSep 27, 2026
Details
Published APR range: 4.00% - 14.25%.
Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 4 times
District #6 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
107 Broadway, Hornell, NY, 14843
Vehicle Loan
4.00%
Up to 36 months
▼
APR4.00%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details
Model Years: 2023 - 2027
Rate History
No change since Oct 12, 2026 · 4.00% APR
District #6 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
107 Broadway, Hornell, NY, 14843
Vehicle Loan
4.00%
Up to 48 months
▼
APR4.00%
TermUp to 48 months
Last UpdatedOct 12, 2026
Details
Model Years: 2023 - 2027
Rate History
No change since Oct 12, 2026 · 4.00% APR
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
132 Cayuga Rd, Cheektowaga, NY, 14225
New Auto / Truck
4.00%
73 - 84 months
▼
APR4.00%
Term73 - 84 months
Last UpdatedOct 13, 2026
Details
GAP (Guaranteed Asset Protection) Insurance Available
Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 9 times
Allegany First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
27 W Main St, Fillmore, NY, 14735
Vehicle Loan
4.00%
72 Months
▼
APR4.00%
Term72 Months
Last UpdatedOct 13, 2026
Details
As Low As; Model Year: 2025 or Newer
Rate History
No change since Oct 5, 2026 · 4.00% APR · checked 3 times
Allegany First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
27 W Main St, Fillmore, NY, 14735
Vehicle Loan
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedOct 13, 2026
Details
As Low As; Model Year: 2024-2020
Rate History
No change since Oct 5, 2026 · 4.00% APR · checked 3 times
Allegany First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
27 W Main St, Fillmore, NY, 14735
Vehicle Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedOct 13, 2026
Details
As Low As; Model Year: 2019 or Older
Rate History
No change since Oct 5, 2026 · 4.00% APR · checked 3 times
New York University Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
726 Broadway Ste 110, New York, NY, 10003 9616
New Vehicle Auto Loan
4.00%
Up to 48 months
▼
APR4.00%
TermUp to 48 months
Last UpdatedOct 13, 2026
Details
Credit Score: 760+; Credit Tier: A+; New vehicles (model years 2026, 2025, 2024 with under 500 miles)
Rate History
No change since Oct 13, 2026 · 4.00% APR
Radius Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.60%
2853 Delaware Ave, Kenmore, NY, 14217 2719
Auto Loan - Model Year 2020-2023
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedOct 13, 2026
Details
As Low As; Auto (new/used/refinance); Model Year 2020-2023
Rate History
No change since Oct 13, 2026 · 4.00% APR
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
437 Main St, Highland Falls, NY, 10928 2085
New Business Vehicle Loan
4.09%
Up to 36 months
▼
APR4.09%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details
As low as
Rate History
No change since Sep 30, 2026 · 4.09% APR · checked 4 times
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
LaGuardia Airport Hangar 3 Room 122, Flushing, NY, 11371
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedOct 13, 2026
Details
As Low As; Auto & Recreational Loans
Rate History
No change since Sep 14, 2026 · 4.09% APR · checked 7 times
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
2890 Transit Rd, Newfane, NY, 14108 9740
New/Used Auto
4.10%
37 - 60 months
▼
APR4.10%
Term37 - 60 months
Last UpdatedOct 13, 2026
Details
As Low As
Rate History
No change since Sep 14, 2026 · 4.10% APR · checked 9 times
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
423 E 23rd St, New York, NY, 10010 5011
New Vehicle - fixed rate
4.14%
36 Months
▼
APR4.14%
Term36 Months
Last UpdatedOct 13, 2026
Details
As Low As; Maximum loan amount: $100,000 (includes motorcycles, boats, & RV's)
Rate History
No change since Sep 14, 2026 · 4.14% APR · checked 7 times
ALCO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New auto loans
4.15%
48 months
▼
APR4.15%
Term48 months
Last UpdatedSep 27, 2026
Details
Published APR range: 4.15% - 14.40%.
Rate History
No change since Sep 14, 2026 · 4.15% APR · checked 4 times
GREATER CHAUTAUQUA
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
57 Lake Shore Dr W, Dunkirk, NY, 14048 1517
New Autos (2 Years and Newer)
4.15%
up to 36 Months
▼
APR4.15%
Termup to 36 Months
Last UpdatedOct 10, 2026
Details
As Low As; *
Rate History
No change since Sep 18, 2026 · 4.15% APR · checked 6 times
Boulevard Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.05%
2787 Niagara Falls Blvd, Amherst, NY, 14228
Auto Loan - Models 2025-2027
4.15%
48 Months
▼
APR4.15%
Term48 Months
Last UpdatedOct 13, 2026
Details
As Low As; Terms for models 2025-2027
Rate History
No change since Oct 13, 2026 · 4.15% APR
Broadview Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.36%
256 Hoosick St, Troy, NY, 12180
Vehicle Loan
4.24%
3 Year
▼
APR4.24%
Term3 Year
Last UpdatedOct 10, 2026
Details
Model Years: 2023 and Newer
Rate History
1 change since Sep 14, 2026 · 4.49% → 4.24% ▼ 0.25 pts · high 4.49% / low 4.24%
- Oct 10, 20264.24%▼ from 4.49%
- Sep 14, 20264.49%first recorded
Broadview Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.36%
256 Hoosick St, Troy, NY, 12180
Vehicle Loan
4.24%
4 Year
▼
APR4.24%
Term4 Year
Last UpdatedOct 10, 2026
Details
Model Years: 2023 and Newer
Rate History
1 change since Sep 14, 2026 · 4.74% → 4.24% ▼ 0.50 pts · high 4.74% / low 4.24%
- Oct 10, 20264.24%▼ from 4.74%
- Sep 14, 20264.74%first recorded
Broadview Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.36%
256 Hoosick St, Troy, NY, 12180
Vehicle Loan
4.24%
5 Year
▼
APR4.24%
Term5 Year
Last UpdatedOct 10, 2026
Details
Model Years: 2023 and Newer
Rate History
1 change since Sep 14, 2026 · 4.99% → 4.24% ▼ 0.75 pts · high 4.99% / low 4.24%
- Oct 10, 20264.24%▼ from 4.99%
- Sep 14, 20264.99%first recorded
Special Metals FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
4340 Middle Settlement Rd, New Hartford, NY, 13413 5316
Automobiles 2023 - 2026
4.24%
12 Months
▼
APR4.24%
Interest Rate4.24%
Term12 Months
Last UpdatedOct 10, 2026
Details
Lowest rates based on "A" credit rating
Rate History
No change since Sep 18, 2026 · 4.24% APR · checked 6 times
Special Metals FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
4340 Middle Settlement Rd, New Hartford, NY, 13413 5316
Automobiles 2023 - 2026
4.24%
24 Months
▼
APR4.24%
Interest Rate4.24%
Term24 Months
Last UpdatedOct 10, 2026
Details
Lowest rates based on "A" credit rating
Rate History
No change since Sep 18, 2026 · 4.24% APR · checked 6 times
Special Metals FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
4340 Middle Settlement Rd, New Hartford, NY, 13413 5316
Automobiles 2023 - 2026
4.24%
36 Months
▼
APR4.24%
Interest Rate4.24%
Term36 Months
Last UpdatedOct 10, 2026
Details
Lowest rates based on "A" credit rating
Rate History
No change since Sep 18, 2026 · 4.24% APR · checked 6 times
Special Metals FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
4340 Middle Settlement Rd, New Hartford, NY, 13413 5316
Automobiles 2023 - 2026
4.24%
48 Months
▼
APR4.24%
Interest Rate4.24%
Term48 Months
Last UpdatedOct 10, 2026
Details
Lowest rates based on "A" credit rating
Rate History
No change since Sep 18, 2026 · 4.24% APR · checked 6 times
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.87%
800 Poly Pl Rm 1110, Brooklyn, NY, 11209 7104
New or Used Vehicles Loan
4.24%
37 - 48 months
▼
APR4.24%
Term37 - 48 months
Last UpdatedOct 10, 2026
Details
As Low As; Auto Pay Discount: 4.14%
Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 7 times
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
New Auto Loan: 2021-2027 Model Years
4.24%
36 months
▼
APR4.24%
Term36 months
Last UpdatedOct 12, 2026
Details
As Low As; Terms up to 36 months
Rate History
No change since Sep 16, 2026 · 4.24% APR · checked 5 times
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
New Auto Loan: 2021-2027 Model Years
4.24%
48 months
▼
APR4.24%
Term48 months
Last UpdatedOct 12, 2026
Details
As Low As; Terms up to 48 months
Rate History
No change since Sep 16, 2026 · 4.24% APR · checked 5 times
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
New Auto Loan: 2021-2027 Model Years
4.24%
60 months
▼
APR4.24%
Term60 months
Last UpdatedOct 12, 2026
Details
As Low As; Terms up to 60 months
Rate History
No change since Sep 16, 2026 · 4.24% APR · checked 5 times
First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.75%
4451 Commercial Dr, New Hartford, NY, 13413 6207
Vehicles & Motorcycles Loan
4.24%
12 Month
▼
APR4.24%
Term12 Month
Last UpdatedOct 12, 2026
Details
Additional APR listed for this product: 4.99%. As Low As
Rate History
No change since Oct 8, 2026 · 4.24% APR · checked 2 times
First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.75%
4451 Commercial Dr, New Hartford, NY, 13413 6207
Vehicles & Motorcycles Loan
4.24%
24 Month
▼
APR4.24%
Term24 Month
Last UpdatedOct 12, 2026
Details
Additional APR listed for this product: 4.99%. As Low As
Rate History
No change since Oct 8, 2026 · 4.24% APR · checked 2 times
First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.75%
4451 Commercial Dr, New Hartford, NY, 13413 6207
Vehicles & Motorcycles Loan
4.24%
36 Month
▼
APR4.24%
Term36 Month
Last UpdatedOct 12, 2026
Details
Additional APR listed for this product: 4.99%. As Low As
Rate History
No change since Oct 8, 2026 · 4.24% APR · checked 2 times
First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.75%
4451 Commercial Dr, New Hartford, NY, 13413 6207
Vehicles & Motorcycles Loan
4.24%
48 Month
▼
APR4.24%
Term48 Month
Last UpdatedOct 12, 2026
Details
Additional APR listed for this product: 4.99%. As Low As
Rate History
No change since Oct 8, 2026 · 4.24% APR · checked 2 times
TrailNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
1178 NYS Route 9N, Ticonderoga, NY, 12883 3106
Auto Loan - New & Late Model Used 6 Years or Newer
4.24%
Up to 36 months
▼
APR4.24%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details
As Low As; Max Mileage for Auto Loans is 150,000
Rate History
No change since Oct 12, 2026 · 4.24% APR
Actors Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.48%
165 W 46th St, New York, NY, 10036 2508
Auto Loans
4.24%
3-Year
▼
APR4.24%
Term3-Year
Last UpdatedOct 13, 2026
Details
Rate History
No change since Oct 9, 2026 · 4.24% APR · checked 2 times
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
1937 Union Rd, West Seneca, NY, 14224
New Vehicles / Motorcycles Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedOct 13, 2026
Details
As Low As; Model Years 2026-2022
Rate History
No change since Oct 13, 2026 · 4.24% APR
Fox Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
1211 Avenue of the Americas Fl 18, New York, NY, 10036
New Auto Loans
4.24%
36 months
▼
APR4.24%
Term36 months
Last UpdatedOct 13, 2026
Details
As Low As; Loan Type: 100% financing of purchase price, tax and license
Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 10 times
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
423 E 23rd St, New York, NY, 10010 5011
New Vehicle - fixed rate
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedOct 13, 2026
Details
As Low As; Maximum loan amount: $100,000 (includes motorcycles, boats, & RV's)
Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 7 times
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
207 Genesee St, Utica, NY, 13501
New Auto Loans (2 Years Old & Newer)
4.24%
Up to 48 Months
▼
APR4.24%
TermUp to 48 Months
Last UpdatedOct 13, 2026
Details
Credit Grade: A+ (730+)
Rate History
No change since Sep 25, 2026 · 4.24% APR · checked 3 times
Money Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
125 E Jefferson St, Syracuse, NY, 13202
Vehicle Loan
4.24%
4 Year
▼
APR4.24%
Interest Rate4.24%
Term4 Year
Last UpdatedOct 13, 2026
Details
Rate History
No change since Oct 13, 2026 · 4.24% APR
ALCO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New auto loans
4.25%
60 months
▼
APR4.25%
Term60 months
Last UpdatedSep 27, 2026
Details
Published APR range: 4.25% - 14.50%.
Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 4 times
Hudson River Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.82%
NY
Auto Loans
4.25%
Fixed Rate 36 Month
▼
APR4.25%
TermFixed Rate 36 Month
Last UpdatedOct 10, 2026
Details
As low as
Rate History
No change since Oct 10, 2026 · 4.25% APR
Hudson River Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.82%
NY
New/Used Vehicle Loan
4.25%
36 Month
▼
APR4.25%
Term36 Month
Last UpdatedOct 10, 2026
Details
As Low As; Fixed Rate
Rate History
No change since Sep 22, 2026 · 4.25% APR · checked 4 times
BUFFALO CONRAIL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
1481 Harlem Rd, Cheektowaga, NY, 14206
Auto Loan
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedOct 10, 2026
Details
Model Year: 2026 - 25
Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 7 times
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
800 Park Ave, Utica, NY, 13501
New Automobile
4.25%
36 months
▼
APR4.25%
Term36 months
Last UpdatedOct 10, 2026
Details
Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 7 times
MOOG EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
7181 SENECA St, EAST AURORA, NY, 14052 0018
Used Auto Loans
4.25%
25-36 months
▼
APR4.25%
Term25-36 months
Last UpdatedOct 10, 2026
Details
Up to $100,000.00; Used purchases only (excludes refinances on existing MEFCU loans)
Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 4 times
District #6 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
107 Broadway, Hornell, NY, 14843
Vehicle Loan
4.25%
Up to 60 months
▼
APR4.25%
TermUp to 60 months
Last UpdatedOct 12, 2026
Details
Model Years: 2023 - 2027
Rate History
No change since Oct 12, 2026 · 4.25% APR
Rome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.64%
937 Seneca St, Rome, NY, 13440
New Auto 2026-2025
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedOct 12, 2026
Details
As Low As; Model Year: New 2026-2025; Max. Term
Rate History
No change since Oct 12, 2026 · 4.25% APR
Remington Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
39 Central Plz, Ilion, NY, 13357
New Automobiles & Motorcycles
4.25%
31-42 months
▼
APR4.25%
Term31-42 months
Last UpdatedOct 12, 2026
Details
As Low As; Model Year: 2023 - 2027
Rate History
1 change since Sep 16, 2026 · 4.69% → 4.25% ▼ 0.44 pts · high 4.69% / low 4.25%
- Oct 8, 20264.25%▼ from 4.69%
- Sep 16, 20264.69%first recorded
Remington Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
39 Central Plz, Ilion, NY, 13357
New Automobiles & Motorcycles
4.25%
43-54 months
▼
APR4.25%
Term43-54 months
Last UpdatedOct 12, 2026
Details
As Low As; Model Year: 2023 - 2027
Rate History
1 change since Sep 16, 2026 · 4.69% → 4.25% ▼ 0.44 pts · high 4.69% / low 4.25%
- Oct 8, 20264.25%▼ from 4.69%
- Sep 16, 20264.69%first recorded
Remington Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
39 Central Plz, Ilion, NY, 13357
New Automobiles & Motorcycles
4.25%
55-66 months
▼
APR4.25%
Term55-66 months
Last UpdatedOct 12, 2026
Details
As Low As; Model Year: 2023 - 2027
Rate History
1 change since Sep 16, 2026 · 4.69% → 4.25% ▼ 0.44 pts · high 4.69% / low 4.25%
- Oct 8, 20264.25%▼ from 4.69%
- Sep 16, 20264.69%first recorded
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
127 Schwenk Dr, Kingston, NY, 12401
New Vehicle Loan
4.25%
1 - 36 Months
▼
APR4.25%
Interest Rate4.25%
Term1 - 36 Months
Last UpdatedOct 13, 2026
Details
Risk Tier: A; Advertised rate applies to automatic payment or payroll deduction; add 1/2% for other payment options; GAP insurance required for 100% financing
Rate History
No change since Oct 13, 2026 · 4.25% APR
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
127 Schwenk Dr, Kingston, NY, 12401
New Vehicles
4.25%
1 - 36 Months
▼
APR4.25%
Interest Rate4.25%
Term1 - 36 Months
Last UpdatedOct 13, 2026
Details
Risk Rating: A; Advertised rate applies to automatic payment or payroll deduction; Add 1/2% for other payment options; GAP insurance required for 100% financing
Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 9 times
Kaleida Health Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
100 High St, Buffalo, NY, 14203 1126
Vehicle Loan
4.25%
37 to 60 months
▼
APR4.25%
Term37 to 60 months
Last UpdatedOct 13, 2026
Details
As Low As; Rates based at 740 and higher credit score; subject to approval
Rate History
No change since Oct 13, 2026 · 4.25% APR
Kaleida Health Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
100 High St, Buffalo, NY, 14203 1126
Vehicle Loan
4.25%
37 months
▼
APR4.25%
Term37 months
Last UpdatedOct 13, 2026
Details
Term: 37 to 60 months (2021- 2026); As Low As; Model Year: 2021-2026
Rate History
No change since Oct 13, 2026 · 4.25% APR
The Heart Center Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.71%
100 Port Washington Blvd, Roslyn, NY, 11576
New Auto
4.25%
72 Months
▼
APR4.25%
Interest Rate4.25%
Term72 Months
Last UpdatedOct 13, 2026
Details
As Low As; Rates shown are the lowest rates offered for the products advertised
Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 9 times
CCSE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
417 Broad St, Salamanca, NY, 14779
New Cars Loan
4.25%
up to 60 months
▼
APR4.25%
Termup to 60 months
Last UpdatedOct 13, 2026
Details
Published APR range: 4.25% - 12.25%. As Low As; Maximum Discount Rate: 3.50%; Advertised rates are credit score based and equivalent to an A borrower with all maximum rate discounts applied (0.75%)
Rate History
No change since Oct 13, 2026 · 4.25% APR
Allegany First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
27 W Main St, Fillmore, NY, 14735
Vehicle Loan
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedOct 13, 2026
Details
As Low As; Model Year: 2024-2020
Rate History
No change since Oct 5, 2026 · 4.25% APR · checked 3 times
Allegany First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
27 W Main St, Fillmore, NY, 14735
Vehicle Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedOct 13, 2026
Details
As Low As; Model Year: 2019 or Older
Rate History
No change since Oct 5, 2026 · 4.25% APR · checked 3 times
Radius Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.60%
2853 Delaware Ave, Kenmore, NY, 14217 2719
Auto Loan - Model Year 2020-2023
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedOct 13, 2026
Details
As Low As; Auto (new/used/refinance); Model Year 2020-2023
Rate History
No change since Oct 13, 2026 · 4.25% APR
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
437 Main St, Highland Falls, NY, 10928 2085
New Auto Loan
4.29%
37-60 Months
▼
APR4.29%
Term37-60 Months
Last UpdatedOct 10, 2026
Details
As Low As
Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
437 Main St, Highland Falls, NY, 10928 2085
New Vehicle Loan
4.29%
37-60 months
▼
APR4.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details
As Low As; Rates subject to change.
Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
Meridia Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
4500 Southwestern Blvd, Hamburg, NY, 14075
Used Auto Loan
4.29%
61-75 months
▼
APR4.29%
Term61-75 months
Last UpdatedOct 12, 2026
Details
As Low As; Model Year: 2021-2026; APR determined by credit score and model year
Rate History
No change since Oct 4, 2026 · 4.29% APR · checked 3 times
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.87%
26 Federal Plz Fl 31, New York, NY, 10278 1300
New Auto / Truck Loan
4.29%
36 Months
▼
APR4.29%
Term36 Months
Last UpdatedOct 13, 2026
Details
As Low As; With Direct Deposit (minimum $500 per month); New vehicles 2026 & 2025 models with 10,000 miles or less
Rate History
1 change since Sep 17, 2026 · 4.49% → 4.29% ▼ 0.20 pts · high 4.49% / low 4.29%
- Oct 5, 20264.29%▼ from 4.49%
- Sep 17, 20264.49%first recorded
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3251 BROADWAY St, CHEEKTOWAGA, NY, 14227 1033
Used automobile 2021 - 2026
4.29%
72 months
▼
APR4.29%
Term72 months
Last UpdatedOct 13, 2026
Details
Risk based scoring premium may apply by FICO score
Rate History
No change since Sep 14, 2026 · 4.29% APR · checked 9 times
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
300 Crosspoint Pkwy, Getzville, NY, 14068 1606
Auto Loans - 2025 & Newer
4.34%
37 - 75 Months
▼
APR4.34%
Term37 - 75 Months
Last UpdatedOct 10, 2026
Details
As Low As; Loan Term
Rate History
2 changes since Sep 14, 2026 · 3.89% → 4.34% ▲ 0.45 pts · high 4.34% / low 3.89%
- Oct 10, 20264.34%▲ from 4.14%
- Sep 18, 20264.14%▲ from 3.89%
- Sep 14, 20263.89%first recorded
Special Metals FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
4340 Middle Settlement Rd, New Hartford, NY, 13413 5316
Automobiles 2023 - 2026
4.49%
60 Months
▼
APR4.49%
Interest Rate4.49%
Term60 Months
Last UpdatedOct 10, 2026
Details
Lowest rates based on "A" credit rating
Rate History
No change since Sep 18, 2026 · 4.49% APR · checked 6 times
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.87%
800 Poly Pl Rm 1110, Brooklyn, NY, 11209 7104
New or Used Vehicles Loan
4.49%
49 - 60 months
▼
APR4.49%
Term49 - 60 months
Last UpdatedOct 10, 2026
Details
As Low As; Auto Pay Discount: 4.39%
Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 7 times
Rockland Employees Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.13%
170 Route 59, Spring Valley, NY, 10977
Vehicle Loan
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedOct 10, 2026
Details
Published APR range: 4.49% - 11.50%. Rates are based on Credit ratings, Credit history, Loan to Value (LTV) and Term of loan. Your rate may vary. Rates are subject to change.
Rate History
No change since Oct 10, 2026 · 4.49% APR
Rockland Employees Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.13%
170 Route 59, Spring Valley, NY, 10977
Vehicle Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedOct 10, 2026
Details
Published APR range: 4.49% - 11.50%. Rates are based on Credit ratings, Credit history, Loan to Value (LTV) and Term of loan. Your rate may vary. Rates are subject to change.
Rate History
No change since Oct 10, 2026 · 4.49% APR
Auburn Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
65 WRIGHT CIR, AUBURN, NY, 13021 3135
New Auto Loan
4.49%
up to 36 months
▼
APR4.49%
Termup to 36 months
Last UpdatedOct 12, 2026
Details
As Low As*
Rate History
No change since Oct 8, 2026 · 4.49% APR · checked 2 times
UGEFCU
Institution Rating:
A5.0 ★ Texas Ratio: 8.82%
215 Old Campion Rd, New Hartford, NY, 13413 4953
New Vehicle Loan
4.49%
up to 48 Months
▼
APR4.49%
Termup to 48 Months
Last UpdatedOct 12, 2026
Details
As Low As; *
Rate History
No change since Sep 16, 2026 · 4.49% APR · checked 4 times
UGEFCU
Institution Rating:
A5.0 ★ Texas Ratio: 8.82%
215 Old Campion Rd, New Hartford, NY, 13413 4953
New Vehicle Loan
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedOct 12, 2026
Details
As Low As; *
Rate History
No change since Sep 16, 2026 · 4.49% APR · checked 4 times
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
New Auto Loan: 2021-2027 Model Years
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedOct 12, 2026
Details
As Low As; Terms up to 72 months; minimum loan amount $20,000 for terms 72 months or greater
Rate History
No change since Sep 16, 2026 · 4.49% APR · checked 5 times
Crossroads Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
3031 William St, Cheektowaga, NY, 14227
New Auto (2025 & 2026)
4.49%
61 - 84 months
▼
APR4.49%
Term61 - 84 months
Last UpdatedOct 12, 2026
Details
Rate History
No change since Oct 12, 2026 · 4.49% APR
First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.75%
4451 Commercial Dr, New Hartford, NY, 13413 6207
Vehicles & Motorcycles Loan
4.49%
60 Month
▼
APR4.49%
Term60 Month
Last UpdatedOct 12, 2026
Details
Additional APR listed for this product: 5.24%. As Low As
Rate History
No change since Oct 8, 2026 · 4.49% APR · checked 2 times
Olean Teachers And Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
1700 CONSTITUTION AVE, OLEAN, NY, 14760
New Auto
4.49%
up to 48 months
▼
APR4.49%
Termup to 48 months
Last UpdatedOct 12, 2026
Details
Published APR range: 4.49% - 12.24%. Auto (2024 & newer) 102% of NADA plus taxes and fees.
Rate History
No change since Sep 12, 2026 · 4.49% APR · checked 8 times
Rome Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
924 Turin St, Rome, NY, 13440
New & Used Autos & Motorcycles - 2022-2027
4.49%
6 years
▼
APR4.49%
Term6 years
Last UpdatedOct 13, 2026
Details
As Low As; Model Year: 2022-2027; Minimum loan amount $30,000; Rate based on member relationship; membership eligibility required
Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 2 times
Actors Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.48%
165 W 46th St, New York, NY, 10036 2508
Auto Loans
4.49%
4-Year
▼
APR4.49%
Term4-Year
Last UpdatedOct 13, 2026
Details
Rate History
No change since Oct 9, 2026 · 4.49% APR · checked 2 times
Fox Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
1211 Avenue of the Americas Fl 18, New York, NY, 10036
Used Auto Loans
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedOct 13, 2026
Details
As Low As; Loan Type: 100% financing of retail Kelley Blue Book for autos less than 6 years old; Estimated Payment per $1,000.00: $27.98
Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 8 times
Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
27 Seneca St, Geneva, NY, 14456 3502
Auto Loan - New Auto (2025 & newer)
4.49%
63 Months
▼
APR4.49%
Term63 Months
Last UpdatedOct 13, 2026
Details
As Low As; Model Year: New Auto (2025 & newer); APR with Discount as low as*: 3.99%
Rate History
No change since Oct 13, 2026 · 4.49% APR
Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
27 Seneca St, Geneva, NY, 14456 3502
Auto Loan - Used Auto 2024
4.49%
63 Months
▼
APR4.49%
Term63 Months
Last UpdatedOct 13, 2026
Details
As Low As; Model Year: Used Auto - 2024; APR with Discount as low as*: 3.99%
Rate History
No change since Oct 13, 2026 · 4.49% APR
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
423 E 23rd St, New York, NY, 10010 5011
New Vehicle - fixed rate
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedOct 13, 2026
Details
As Low As; Maximum loan amount: $100,000 (includes motorcycles, boats, & RV's)
Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 7 times
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
207 Genesee St, Utica, NY, 13501
New Auto Loans (2 Years Old & Newer)
4.49%
2 Years
▼
APR4.49%
Term2 Years
Last UpdatedOct 13, 2026
Details
Additional APR listed for this product: 4.99%, 5.75%. Credit Grade: A+ (730+)
Rate History
No change since Sep 25, 2026 · 4.49% APR · checked 3 times
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
207 Genesee St, Utica, NY, 13501
Used Auto Loans (3 to 6 Years Old)
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedOct 13, 2026
Details
Credit Grade: A+ (730+)
Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 7 times
UHS Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
33 57 Harrison St, Johnson City, NY, 13790
Vehicle Loan
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedOct 13, 2026
Details
As Low As; Model Year: 2025 - 2027
Rate History
No change since Oct 13, 2026 · 4.49% APR
BUFFALO CONRAIL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
1481 Harlem Rd, Cheektowaga, NY, 14206
Auto Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedOct 10, 2026
Details
Model Year: 2024
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Sep 18, 20264.50%▲ from 4.25%
- Sep 14, 20264.25%first recorded
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
800 Park Ave, Utica, NY, 13501
New Automobile
4.50%
37-48 months
▼
APR4.50%
Term37-48 months
Last UpdatedOct 10, 2026
Details
Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 7 times
Saratoga’s Community FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.17%
189 Ballston Ave, Saratoga Springs, NY, 12866 4715
Outdoor Activity Vehicle Loan
4.50%
Up to 60 months
▼
APR4.50%
TermUp to 60 months
Last UpdatedOct 10, 2026
Details
Introductory APR* First 6 Months; After Introductory Period: Prime + 4.00%
Rate History
No change since Sep 30, 2026 · 4.50% APR · checked 4 times
Triboro Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
14202 20th Ave, Flushing, NY, 11351 3000
Used Car Loan
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedOct 12, 2026
Details
16 - 17
Rate History
No change since Sep 16, 2026 · 4.50% APR · checked 6 times
District #6 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
107 Broadway, Hornell, NY, 14843
Vehicle Loan
4.50%
Up to 48 Months
▼
APR4.50%
TermUp to 48 Months
Last UpdatedOct 12, 2026
Details
Model Year: 2022 & Older
Rate History
No change since Oct 12, 2026 · 4.50% APR
Rome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.64%
937 Seneca St, Rome, NY, 13440
New Auto 2026-2025
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedOct 12, 2026
Details
As Low As; Model Year: New 2026-2025; Max. Term
Rate History
No change since Oct 12, 2026 · 4.50% APR
Cadets Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
927 Grant St, Buffalo, NY, 14207 2820
New Auto Loan (2026-2027)
4.50%
36 Month
▼
APR4.50%
Term36 Month
Last UpdatedOct 12, 2026
Details
Model Year: 2026-2027; Credit Limit: Up To 100% Financing
Rate History
No change since Oct 12, 2026 · 4.50% APR
Good Neighbors Federal Credit Union
Institution Rating:
B-4.4 ★ Texas Ratio: 22.56%
30 Brunswick Rd, Depew, NY, 14043
Auto Loans - 36 Months
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedOct 13, 2026
Details
As Low As; Starting at; Rate quoted for A+ credit; Some restrictions may apply; Additional loyalty discounts may apply
Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 10 times
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
2890 Transit Rd, Newfane, NY, 14108 9740
New/Used Auto
4.50%
61 - 84 months
▼
APR4.50%
Term61 - 84 months
Last UpdatedOct 13, 2026
Details
As Low As
Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 9 times
SUMA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.06%
125 Corporate Blvd, Yonkers, NY, 10701
New Auto Loans
4.50%
Up to 4 Years
▼
APR4.50%
TermUp to 4 Years
Last UpdatedOct 13, 2026
Details
100% Financing; With 700 Credit Score or above; For autos over $50,000 - 90% financing maximum
Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 8 times
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.02%
215 2nd Ave, New York, NY, 10003
New Car Loans
4.50%
Up to 72 months
▼
APR4.50%
TermUp to 72 months
Last UpdatedOct 13, 2026
Details
As Low As; 5%-40% down payment
Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 9 times
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
100 McGuinness Blvd, Brooklyn, NY, 11222
Used Auto Loans
4.50%
5 years
▼
APR4.50%
Interest Rate4.50%
Term5 years
Last UpdatedOct 13, 2026
Details
As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account
Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 9 times
Allegany First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
27 W Main St, Fillmore, NY, 14735
Vehicle Loan
4.50%
84 Months
▼
APR4.50%
Term84 Months
Last UpdatedOct 13, 2026
Details
As Low As; Model Year: 2025 or Newer
Rate History
No change since Oct 5, 2026 · 4.50% APR · checked 3 times
Allegany First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
27 W Main St, Fillmore, NY, 14735
Vehicle Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedOct 13, 2026
Details
As Low As; Model Year: 2024-2020; Minimum loan amount of $20,000 for 72 month term
Rate History
No change since Oct 5, 2026 · 4.50% APR · checked 3 times
Allegany First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
27 W Main St, Fillmore, NY, 14735
Vehicle Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedOct 13, 2026
Details
As Low As; Model Year: 2019 or Older
Rate History
No change since Oct 5, 2026 · 4.50% APR · checked 3 times
O&R Utilities Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.87%
14 Talmadge Ct, Monroe, NY, 10950 1526
Vehicle Loans
4.50%
Up to 84 months
▼
APR4.50%
TermUp to 84 months
Last UpdatedOct 13, 2026
Details
As Low As; Vehicle Loans; Repayment terms available up to 84 Months
Rate History
No change since Oct 13, 2026 · 4.50% APR
New York University Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
726 Broadway Ste 110, New York, NY, 10003 9616
New Electric Vehicle Loan
4.50%
Up to 48 months
▼
APR4.50%
TermUp to 48 months
Last UpdatedOct 13, 2026
Details
Credit Score: 700-759; Credit Tier: A
Rate History
No change since Oct 13, 2026 · 4.50% APR
Radius Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.60%
2853 Delaware Ave, Kenmore, NY, 14217 2719
Auto Loan - Model Year 2024-2026
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedOct 13, 2026
Details
As Low As; Auto (new/used/refinance); Model Year 2024-2026
Rate History
No change since Oct 13, 2026 · 4.50% APR
Erie County Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
NY
New Auto Loans
4.50%
72 months
▼
APR4.50%
Interest Rate4.50%
Term72 months
Last UpdatedOct 13, 2026
Details
As Low As
Rate History
No change since Oct 13, 2026 · 4.50% APR
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
437 Main St, Highland Falls, NY, 10928 2085
New Auto Loan
4.59%
61-72 Months
▼
APR4.59%
Term61-72 Months
Last UpdatedOct 10, 2026
Details
As Low As
Rate History
No change since Sep 30, 2026 · 4.59% APR · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
437 Main St, Highland Falls, NY, 10928 2085
New Vehicle Loan
4.59%
61-72 months
▼
APR4.59%
Term61-72 months
Last UpdatedOct 10, 2026
Details
As Low As; Rates subject to change.
Rate History
No change since Sep 30, 2026 · 4.59% APR · checked 4 times
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
LaGuardia Airport Hangar 3 Room 122, Flushing, NY, 11371
Used Auto
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedOct 13, 2026
Details
As Low As; Auto & Recreational Loans
Rate History
No change since Sep 14, 2026 · 4.59% APR · checked 7 times
GREATER CHAUTAUQUA
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
57 Lake Shore Dr W, Dunkirk, NY, 14048 1517
New Autos (2 Years and Newer)
4.60%
37 to 48 Months
▼
APR4.60%
Term37 to 48 Months
Last UpdatedOct 10, 2026
Details
As Low As; *
Rate History
No change since Sep 18, 2026 · 4.60% APR · checked 6 times
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
125 Wireless Blvd, Hauppauge, NY, 11788 3971
New Vehicle Loan
4.60%
1-5 years
▼
APR4.60%
Term1-5 years
Last UpdatedOct 12, 2026
Details
As low as 4.60%*; Applies to applicants with direct deposit of net pay and a checking account.
Rate History
No change since Sep 14, 2026 · 4.60% APR · checked 5 times
Good Neighbors Federal Credit Union
Institution Rating:
B-4.4 ★ Texas Ratio: 22.56%
30 Brunswick Rd, Depew, NY, 14043
Auto Loans - 48 Months
4.60%
48 Months
▼
APR4.60%
Term48 Months
Last UpdatedOct 13, 2026
Details
As Low As; Starting at; Rate quoted for A+ credit; Some restrictions may apply; Additional loyalty discounts may apply
Rate History
No change since Sep 14, 2026 · 4.60% APR · checked 10 times
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.09%
355 Hales Mills Rd Ext, Gloversville, NY, 12078 5703
Auto Loan
4.60%
Up to 3 Years
▼
APR4.60%
TermUp to 3 Years
Last UpdatedOct 13, 2026
Details
As Low As; Model Year: 2023 & Newer; Up to 100% NADA + Tax + Warranty; Rate as low as posted based on credit qualifications & Loan Term; includes .25% discount for automatic payments
Rate History
1 change since Sep 21, 2026 · 3.99% → 4.60% ▲ 0.61 pts · high 4.60% / low 3.99%
- Oct 13, 20264.60%▲ from 3.99%
- Sep 21, 20263.99%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.09%
355 Hales Mills Rd Ext, Gloversville, NY, 12078 5703
Autos - 2023 & Newer
4.60%
Up to 3 Years
▼
APR4.60%
TermUp to 3 Years
Last UpdatedOct 13, 2026
Details
As Low As; Model Year: 2023 & Newer; Comments: Up to 100% NADA + Tax + Warranty; .25% discount for automatic payments included
Rate History
No change since Oct 9, 2026 · 4.60% APR · checked 2 times
North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.36%
2488 State Route 11, Mooers, NY, 12958
New/Used Vehicles with Titles Loan
4.64%
2 years
▼
APR4.64%
Term2 years
Last UpdatedOct 13, 2026
Details
As Low As; Rate determined by credit qualifications and term; Titled vehicles only
Rate History
No change since Oct 9, 2026 · 4.64% APR · checked 2 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
290 Broadway Fl 10, New York, NY, 10007 1823
New Automobile Loan
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedOct 12, 2026
Details
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
Rate History
No change since Oct 12, 2026 · 4.69% APR
Powered by
MonitorBankRates
New York New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Triboro Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
14202 20th Ave, Flushing, NY, 11351 3000
New Car Loan
2.25%
36 months
▼
APR2.25%
Term36 months
Last UpdatedOct 12, 2026
Details
20 - 21
Rate History
No change since Sep 16, 2026 · 2.25% APR · checked 6 times
Meridia Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
4500 Southwestern Blvd, Hamburg, NY, 14075
New Auto Loan
2.99%
Up to 60 months
▼
APR2.99%
TermUp to 60 months
Last UpdatedOct 12, 2026
Details
As Low As; Model Year: 2026 and newer; APR determined by credit score and model year
Rate History
No change since Oct 4, 2026 · 2.99% APR · checked 3 times
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
100 McGuinness Blvd, Brooklyn, NY, 11222
New Auto Loan
2.99%
4 years
▼
APR2.99%
Interest Rate2.99%
Term4 years
Last UpdatedOct 13, 2026
Details
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 8 times
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
100 McGuinness Blvd, Brooklyn, NY, 11222
New Auto Loan
2.99%
3 years
▼
APR2.99%
Interest Rate2.99%
Term3 years
Last UpdatedOct 13, 2026
Details
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 8 times
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
100 McGuinness Blvd, Brooklyn, NY, 11222
New Auto Loan
2.99%
2 years
▼
APR2.99%
Interest Rate2.99%
Term2 years
Last UpdatedOct 13, 2026
Details
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 8 times
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
100 McGuinness Blvd, Brooklyn, NY, 11222
New Auto Loan
2.99%
1 year
▼
APR2.99%
Interest Rate2.99%
Term1 year
Last UpdatedOct 13, 2026
Details
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 8 times
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
132 Cayuga Rd, Cheektowaga, NY, 14225
New Auto / Truck
3.00%
60 months
▼
APR3.00%
Term60 months
Last UpdatedOct 13, 2026
Details
GAP (Guaranteed Asset Protection) Insurance Available
Rate History
No change since Sep 14, 2026 · 3.00% APR · checked 9 times
Financial Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
3333 Harlem Rd, Cheektowaga, NY, 14225
New Auto Loan
3.29%
From 12 to 60 Months
▼
APR3.29%
Interest Rate3.29%
TermFrom 12 to 60 Months
Last UpdatedOct 12, 2026
Details
Current Interest Rate Loan Special
Rate History
No change since Sep 25, 2026 · 3.29% APR · checked 2 times
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
LaGuardia Airport Hangar 3 Room 122, Flushing, NY, 11371
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details
As Low As; Auto & Recreational Loans
Rate History
No change since Sep 14, 2026 · 3.34% APR · checked 7 times
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.87%
26 Federal Plz Fl 31, New York, NY, 10278 1300
New Auto / Truck Loan
3.49%
24 Months
▼
APR3.49%
Term24 Months
Last UpdatedOct 13, 2026
Details
As Low As; With Direct Deposit (minimum $500 per month); New vehicles 2026 & 2025 models with 10,000 miles or less
Rate History
No change since Oct 5, 2026 · 3.49% APR · checked 3 times
Lower East Side Peoples Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.13%
37 AVENUE B, NEW YORK, NY, 10009
New Auto Loan
3.49%
Up to 84 Months
▼
APR3.49%
TermUp to 84 Months
Last UpdatedOct 13, 2026
Details
As Low As; Financing: 100%; Subject to approval based on credit score
Rate History
No change since Sep 14, 2026 · 3.49% APR · checked 8 times
ALCO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New auto loans
3.50%
24 months
▼
APR3.50%
Term24 months
Last UpdatedSep 27, 2026
Details
Published APR range: 3.50% - 13.75%.
Rate History
No change since Sep 14, 2026 · 3.50% APR · checked 4 times
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
132 Cayuga Rd, Cheektowaga, NY, 14225
New Auto / Truck
3.50%
61 - 72 months
▼
APR3.50%
Term61 - 72 months
Last UpdatedOct 13, 2026
Details
GAP (Guaranteed Asset Protection) Insurance Available
Rate History
No change since Sep 14, 2026 · 3.50% APR · checked 9 times
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
100 McGuinness Blvd, Brooklyn, NY, 11222
New Auto Loan
3.50%
5 years
▼
APR3.50%
Interest Rate3.50%
Term5 years
Last UpdatedOct 13, 2026
Details
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
Rate History
No change since Sep 14, 2026 · 3.50% APR · checked 9 times
Circuit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
3234 Union Rd, CHEEKTOWAGA, NY, 14227 1044
New Auto Loans
3.59%
36 Months
▼
APR3.59%
Interest Rate3.59%
Term36 Months
Last UpdatedOct 13, 2026
Details
As Low As; Effective as of July 17, 2026
Rate History
No change since Sep 17, 2026 · 3.59% APR · checked 8 times
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
New & Used Autos
3.75%
24 Months
▼
APR3.75%
Term24 Months
Last UpdatedOct 13, 2026
Details
As Low As; $100,000 Max-100% of Invoice Including Sales Tax on New Vehicles - 100% Retail J.D. Power Loan Value With No Options on Used Vehicles
Rate History
1 change since Sep 17, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 5, 20263.75%▲ from 3.50%
- Sep 17, 20263.50%first recorded
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
New & Used Autos
3.75%
36 Months
▼
APR3.75%
Term36 Months
Last UpdatedOct 13, 2026
Details
As Low As; $100,000 Max-100% of Invoice Including Sales Tax on New Vehicles - 100% Retail J.D. Power Loan Value With No Options on Used Vehicles
Rate History
1 change since Sep 17, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 5, 20263.75%▲ from 3.50%
- Sep 17, 20263.50%first recorded
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
New & Used Autos
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedOct 13, 2026
Details
As Low As; $100,000 Max-100% of Invoice Including Sales Tax on New Vehicles - 100% Retail J.D. Power Loan Value With No Options on Used Vehicles
Rate History
1 change since Sep 17, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 5, 20263.75%▲ from 3.50%
- Sep 17, 20263.50%first recorded
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
New & Used Autos
3.75%
60 Months
▼
APR3.75%
Term60 Months
Last UpdatedOct 13, 2026
Details
As Low As; $100,000 Max-100% of Invoice Including Sales Tax on New Vehicles - 100% Retail J.D. Power Loan Value With No Options on Used Vehicles
Rate History
1 change since Sep 17, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 5, 20263.75%▲ from 3.50%
- Sep 17, 20263.50%first recorded
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3251 BROADWAY St, CHEEKTOWAGA, NY, 14227 1033
New automobile
3.75%
36 months
▼
APR3.75%
Term36 months
Last UpdatedOct 13, 2026
Details
Risk based scoring premium may apply by FICO score
Rate History
1 change since Sep 14, 2026 · 3.49% → 3.75% ▲ 0.26 pts · high 3.75% / low 3.49%
- Oct 5, 20263.75%▲ from 3.49%
- Sep 14, 20263.49%first recorded
New York University Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
726 Broadway Ste 110, New York, NY, 10003 9616
New Electric Vehicle Loan
3.75%
Up to 48 months
▼
APR3.75%
TermUp to 48 months
Last UpdatedOct 13, 2026
Details
Credit Score: 760+; Credit Tier: A+
Rate History
No change since Oct 13, 2026 · 3.75% APR
Circuit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
3234 Union Rd, CHEEKTOWAGA, NY, 14227 1044
New Auto Loans
3.79%
48 Months
▼
APR3.79%
Interest Rate3.79%
Term48 Months
Last UpdatedOct 13, 2026
Details
As Low As; Effective as of July 17, 2026
Rate History
No change since Sep 17, 2026 · 3.79% APR · checked 8 times
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
300 Crosspoint Pkwy, Getzville, NY, 14068 1606
Auto Loans - 2025 & Newer
3.84%
0 - 36 Months
▼
APR3.84%
Term0 - 36 Months
Last UpdatedOct 10, 2026
Details
As Low As; Loan Term
Rate History
2 changes since Sep 14, 2026 · 3.49% → 3.84% ▲ 0.35 pts · high 3.84% / low 3.49%
- Oct 10, 20263.84%▲ from 3.64%
- Sep 18, 20263.64%▲ from 3.49%
- Sep 14, 20263.49%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
437 Main St, Highland Falls, NY, 10928 2085
New Auto Loan
3.89%
12-36 Months
▼
APR3.89%
Term12-36 Months
Last UpdatedOct 10, 2026
Details
As Low As
Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
437 Main St, Highland Falls, NY, 10928 2085
New Vehicle Loan
3.89%
up to 36 months
▼
APR3.89%
Termup to 36 months
Last UpdatedOct 10, 2026
Details
As Low As; Rates subject to change.
Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
Circuit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
3234 Union Rd, CHEEKTOWAGA, NY, 14227 1044
New Auto Loans
3.89%
60 Months
▼
APR3.89%
Interest Rate3.89%
Term60 Months
Last UpdatedOct 13, 2026
Details
As Low As; Effective as of July 17, 2026
Rate History
No change since Sep 17, 2026 · 3.89% APR · checked 8 times
NIAGARAS CHOICE
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
3619 Packard Rd, Niagara Falls, NY, 14303 2224
New Auto
3.90%
24 to 66 months
▼
APR3.90%
Term24 to 66 months
Last UpdatedOct 10, 2026
Details
Rate includes auto-pay discount of .25%
Rate History
1 change since Sep 18, 2026 · 3.70% → 3.90% ▲ 0.20 pts · high 3.90% / low 3.70%
- Oct 6, 20263.90%▲ from 3.70%
- Sep 18, 20263.70%first recorded
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
2890 Transit Rd, Newfane, NY, 14108 9740
New/Used Auto
3.90%
Up to 36 months
▼
APR3.90%
TermUp to 36 months
Last UpdatedOct 13, 2026
Details
As Low As
Rate History
No change since Sep 14, 2026 · 3.90% APR · checked 9 times
Division 726 Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.62%
4886 ARTHUR KILL RD, STATEN ISLAND, NY, 10309
New Auto (Up to 72 Months)
3.95%
Up to 72 Months
▼
APR3.95%
Interest Rate3.95%
TermUp to 72 Months
Last UpdatedOct 13, 2026
Details
Rate History
No change since Sep 14, 2026 · 3.95% APR · checked 3 times
One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
130 S Elmwood Ave Ste 126, Buffalo, NY, 14202 2465
New & Used Cars and Trucks Loan
3.99%
Up to 24 months
▼
APR3.99%
Interest Rate3.99%
TermUp to 24 months
Last UpdatedOct 9, 2026
Details
Limited Time Special Rate! This is a limited time special rate offer and can expire at anytime without notice. Rates apply to new and used vehicles, or a refinanced auto loan from another lender or a leased auto buyout.
Rate History
No change since Oct 9, 2026 · 3.99% APR
One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
130 S Elmwood Ave Ste 126, Buffalo, NY, 14202 2465
New & Used Cars and Trucks Loan
3.99%
25 to 36 months
▼
APR3.99%
Interest Rate3.99%
Term25 to 36 months
Last UpdatedOct 9, 2026
Details
Limited Time Special Rate! This is a limited time special rate offer and can expire at anytime without notice. Rates apply to new and used vehicles, or a refinanced auto loan from another lender or a leased auto buyout.
Rate History
No change since Oct 9, 2026 · 3.99% APR
One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
130 S Elmwood Ave Ste 126, Buffalo, NY, 14202 2465
New & Used Cars and Trucks Loan
3.99%
37 to 48 months
▼
APR3.99%
Interest Rate3.99%
Term37 to 48 months
Last UpdatedOct 9, 2026
Details
Limited Time Special Rate! This is a limited time special rate offer and can expire at anytime without notice. Rates apply to new and used vehicles, or a refinanced auto loan from another lender or a leased auto buyout.
Rate History
No change since Oct 9, 2026 · 3.99% APR
One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
130 S Elmwood Ave Ste 126, Buffalo, NY, 14202 2465
New & Used Cars and Trucks Loan
3.99%
49 to 60 months
▼
APR3.99%
Interest Rate3.99%
Term49 to 60 months
Last UpdatedOct 9, 2026
Details
Limited Time Special Rate! This is a limited time special rate offer and can expire at anytime without notice. Rates apply to new and used vehicles, or a refinanced auto loan from another lender or a leased auto buyout.
Rate History
No change since Oct 9, 2026 · 3.99% APR
MOOG EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
7181 SENECA St, EAST AURORA, NY, 14052 0018
New Auto Loans
3.99%
12-60 months
▼
APR3.99%
Term12-60 months
Last UpdatedOct 10, 2026
Details
Up to $100,000.00; New purchases only (excludes refinances on existing MEFCU loans)
Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 4 times
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.87%
800 Poly Pl Rm 1110, Brooklyn, NY, 11209 7104
New or Used Vehicles Loan
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedOct 10, 2026
Details
As Low As; Auto Pay Discount: 3.89%
Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 7 times
Remington Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
39 Central Plz, Ilion, NY, 13357
New Automobiles & Motorcycles
3.99%
1-30 months
▼
APR3.99%
Term1-30 months
Last UpdatedOct 12, 2026
Details
As Low As; Model Year: 2023 - 2027
Rate History
No change since Sep 16, 2026 · 3.99% APR · checked 3 times
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
New Auto Loan: 2021-2027 Model Years
3.99%
24 months
▼
APR3.99%
Term24 months
Last UpdatedOct 12, 2026
Details
As Low As; Terms up to 24 months
Rate History
No change since Sep 16, 2026 · 3.99% APR · checked 5 times
Crossroads Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
3031 William St, Cheektowaga, NY, 14227
New Auto (2025 & 2026)
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details
Rate History
No change since Oct 12, 2026 · 3.99% APR
Crossroads Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
3031 William St, Cheektowaga, NY, 14227
New Auto (2025 & 2026)
3.99%
37 - 60 months
▼
APR3.99%
Term37 - 60 months
Last UpdatedOct 12, 2026
Details
Rate History
No change since Oct 12, 2026 · 3.99% APR
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
390 W Seneca St, Sherrill, NY, 13461
Vehicle Loans - Model Years 2024 and newer
3.99%
1 - 48 Months
▼
APR3.99%
Term1 - 48 Months
Last UpdatedOct 12, 2026
Details
As Low As
Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 4 times
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
390 W Seneca St, Sherrill, NY, 13461
Vehicle Loans - Model Years 2024 and newer
3.99%
49 - 60 Months
▼
APR3.99%
Term49 - 60 Months
Last UpdatedOct 12, 2026
Details
As Low As
Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 4 times
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
390 W Seneca St, Sherrill, NY, 13461
Vehicle Loans - Model Years 2024 and newer
3.99%
61 - 72 Months
▼
APR3.99%
Term61 - 72 Months
Last UpdatedOct 12, 2026
Details
As Low As
Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 4 times
TrailNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
1178 NYS Route 9N, Ticonderoga, NY, 12883 3106
Auto Loan - New & Late Model Used 6 Years or Newer
3.99%
Up to 24 months
▼
APR3.99%
TermUp to 24 months
Last UpdatedOct 12, 2026
Details
As Low As; Max Mileage for Auto Loans is 150,000
Rate History
No change since Oct 12, 2026 · 3.99% APR
Meridia Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
4500 Southwestern Blvd, Hamburg, NY, 14075
New Auto Loan
3.99%
61-75 months
▼
APR3.99%
Term61-75 months
Last UpdatedOct 12, 2026
Details
As Low As; Model Year: 2026 and newer; APR determined by credit score and model year
Rate History
No change since Oct 4, 2026 · 3.99% APR · checked 3 times
Sweet Home Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
1960 Sweet Home Rd, Amherst, NY, 14228 3346
New Automobile - Model years 2025 or newer
3.99%
60 Months
▼
APR3.99%
Interest Rate3.99%
Term60 Months
Last UpdatedOct 13, 2026
Details
As Low As; Model years 2025 or newer
Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 8 times
Sweet Home Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
1960 Sweet Home Rd, Amherst, NY, 14228 3346
New Automobile - Model years 2025 or newer
3.99%
72 Months
▼
APR3.99%
Interest Rate3.99%
Term72 Months
Last UpdatedOct 13, 2026
Details
As Low As; Model years 2025 or newer
Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 8 times
Rome Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
924 Turin St, Rome, NY, 13440
New & Used Autos & Motorcycles - 2022-2027
3.99%
5 years
▼
APR3.99%
Term5 years
Last UpdatedOct 13, 2026
Details
As Low As; Model Year: 2022-2027; Rate based on member relationship; membership eligibility required
Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 2 times
Niagara Wheatfield Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.90%
2346 SAUNDERS SETTLEMENT RD, SANBORN, NY, 14132
New & Used Vehicles Loan
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedOct 13, 2026
Details
Rates may be higher based on credit score; Certain Conditions Apply
Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 7 times
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
1937 Union Rd, West Seneca, NY, 14224
New Vehicles / Motorcycles Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedOct 13, 2026
Details
As Low As; Model Years 2026-2022
Rate History
No change since Oct 13, 2026 · 3.99% APR
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.87%
26 Federal Plz Fl 31, New York, NY, 10278 1300
New Auto / Truck Loan
3.99%
24 Months
▼
APR3.99%
Term24 Months
Last UpdatedOct 13, 2026
Details
As Low As; Without Direct Deposit; New vehicles 2026 & 2025 models with 10,000 miles or less
Rate History
No change since Oct 5, 2026 · 3.99% APR · checked 3 times
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
4311 Middle Settlement Rd, New Hartford, NY, 13413
New Auto Loans (2023-2027) - 1 to 60 months
3.99%
1 to 60 months
▼
APR3.99%
Term1 to 60 months
Last UpdatedOct 13, 2026
Details
As Low As; Membership eligibility required
Rate History
No change since Oct 13, 2026 · 3.99% APR
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
4311 Middle Settlement Rd, New Hartford, NY, 13413
New Auto Loans (2023-2027) - 61 to 66 months
3.99%
61 to 66 months
▼
APR3.99%
Term61 to 66 months
Last UpdatedOct 13, 2026
Details
As Low As; Membership eligibility required
Rate History
No change since Oct 13, 2026 · 3.99% APR
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3251 BROADWAY St, CHEEKTOWAGA, NY, 14227 1033
New automobile
3.99%
60 months
▼
APR3.99%
Term60 months
Last UpdatedOct 13, 2026
Details
Risk based scoring premium may apply by FICO score
Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 9 times
Erie County Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
NY
New Auto Loans
3.99%
24 months
▼
APR3.99%
Interest Rate3.99%
Term24 months
Last UpdatedOct 13, 2026
Details
As Low As
Rate History
No change since Oct 13, 2026 · 3.99% APR
Erie County Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
NY
New Auto Loans
3.99%
36 months
▼
APR3.99%
Interest Rate3.99%
Term36 months
Last UpdatedOct 13, 2026
Details
As Low As
Rate History
No change since Oct 13, 2026 · 3.99% APR
Erie County Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
NY
New Auto Loans
3.99%
48 months
▼
APR3.99%
Interest Rate3.99%
Term48 months
Last UpdatedOct 13, 2026
Details
As Low As
Rate History
No change since Oct 13, 2026 · 3.99% APR
Erie County Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
NY
New Auto Loans
3.99%
60 months
▼
APR3.99%
Interest Rate3.99%
Term60 months
Last UpdatedOct 13, 2026
Details
As Low As
Rate History
No change since Oct 13, 2026 · 3.99% APR
ALCO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New auto loans
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedSep 27, 2026
Details
Published APR range: 4.00% - 14.25%.
Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 4 times
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
132 Cayuga Rd, Cheektowaga, NY, 14225
New Auto / Truck
4.00%
73 - 84 months
▼
APR4.00%
Term73 - 84 months
Last UpdatedOct 13, 2026
Details
GAP (Guaranteed Asset Protection) Insurance Available
Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 9 times
New York University Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
726 Broadway Ste 110, New York, NY, 10003 9616
New Vehicle Auto Loan
4.00%
Up to 48 months
▼
APR4.00%
TermUp to 48 months
Last UpdatedOct 13, 2026
Details
Credit Score: 760+; Credit Tier: A+; New vehicles (model years 2026, 2025, 2024 with under 500 miles)
Rate History
No change since Oct 13, 2026 · 4.00% APR
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
437 Main St, Highland Falls, NY, 10928 2085
New Business Vehicle Loan
4.09%
Up to 36 months
▼
APR4.09%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details
As low as
Rate History
No change since Sep 30, 2026 · 4.09% APR · checked 4 times
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
LaGuardia Airport Hangar 3 Room 122, Flushing, NY, 11371
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedOct 13, 2026
Details
As Low As; Auto & Recreational Loans
Rate History
No change since Sep 14, 2026 · 4.09% APR · checked 7 times
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
2890 Transit Rd, Newfane, NY, 14108 9740
New/Used Auto
4.10%
37 - 60 months
▼
APR4.10%
Term37 - 60 months
Last UpdatedOct 13, 2026
Details
As Low As
Rate History
No change since Sep 14, 2026 · 4.10% APR · checked 9 times
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
423 E 23rd St, New York, NY, 10010 5011
New Vehicle - fixed rate
4.14%
36 Months
▼
APR4.14%
Term36 Months
Last UpdatedOct 13, 2026
Details
As Low As; Maximum loan amount: $100,000 (includes motorcycles, boats, & RV's)
Rate History
No change since Sep 14, 2026 · 4.14% APR · checked 7 times
ALCO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New auto loans
4.15%
48 months
▼
APR4.15%
Term48 months
Last UpdatedSep 27, 2026
Details
Published APR range: 4.15% - 14.40%.
Rate History
No change since Sep 14, 2026 · 4.15% APR · checked 4 times
GREATER CHAUTAUQUA
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
57 Lake Shore Dr W, Dunkirk, NY, 14048 1517
New Autos (2 Years and Newer)
4.15%
up to 36 Months
▼
APR4.15%
Termup to 36 Months
Last UpdatedOct 10, 2026
Details
As Low As; *
Rate History
No change since Sep 18, 2026 · 4.15% APR · checked 6 times
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.87%
800 Poly Pl Rm 1110, Brooklyn, NY, 11209 7104
New or Used Vehicles Loan
4.24%
37 - 48 months
▼
APR4.24%
Term37 - 48 months
Last UpdatedOct 10, 2026
Details
As Low As; Auto Pay Discount: 4.14%
Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 7 times
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
New Auto Loan: 2021-2027 Model Years
4.24%
36 months
▼
APR4.24%
Term36 months
Last UpdatedOct 12, 2026
Details
As Low As; Terms up to 36 months
Rate History
No change since Sep 16, 2026 · 4.24% APR · checked 5 times
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
New Auto Loan: 2021-2027 Model Years
4.24%
48 months
▼
APR4.24%
Term48 months
Last UpdatedOct 12, 2026
Details
As Low As; Terms up to 48 months
Rate History
No change since Sep 16, 2026 · 4.24% APR · checked 5 times
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
New Auto Loan: 2021-2027 Model Years
4.24%
60 months
▼
APR4.24%
Term60 months
Last UpdatedOct 12, 2026
Details
As Low As; Terms up to 60 months
Rate History
No change since Sep 16, 2026 · 4.24% APR · checked 5 times
TrailNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
1178 NYS Route 9N, Ticonderoga, NY, 12883 3106
Auto Loan - New & Late Model Used 6 Years or Newer
4.24%
Up to 36 months
▼
APR4.24%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details
As Low As; Max Mileage for Auto Loans is 150,000
Rate History
No change since Oct 12, 2026 · 4.24% APR
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
1937 Union Rd, West Seneca, NY, 14224
New Vehicles / Motorcycles Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedOct 13, 2026
Details
As Low As; Model Years 2026-2022
Rate History
No change since Oct 13, 2026 · 4.24% APR
Fox Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
1211 Avenue of the Americas Fl 18, New York, NY, 10036
New Auto Loans
4.24%
36 months
▼
APR4.24%
Term36 months
Last UpdatedOct 13, 2026
Details
As Low As; Loan Type: 100% financing of purchase price, tax and license
Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 10 times
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
423 E 23rd St, New York, NY, 10010 5011
New Vehicle - fixed rate
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedOct 13, 2026
Details
As Low As; Maximum loan amount: $100,000 (includes motorcycles, boats, & RV's)
Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 7 times
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
207 Genesee St, Utica, NY, 13501
New Auto Loans (2 Years Old & Newer)
4.24%
Up to 48 Months
▼
APR4.24%
TermUp to 48 Months
Last UpdatedOct 13, 2026
Details
Credit Grade: A+ (730+)
Rate History
No change since Sep 25, 2026 · 4.24% APR · checked 3 times
ALCO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New auto loans
4.25%
60 months
▼
APR4.25%
Term60 months
Last UpdatedSep 27, 2026
Details
Published APR range: 4.25% - 14.50%.
Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 4 times
Hudson River Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.82%
NY
New/Used Vehicle Loan
4.25%
36 Month
▼
APR4.25%
Term36 Month
Last UpdatedOct 10, 2026
Details
As Low As; Fixed Rate
Rate History
No change since Sep 22, 2026 · 4.25% APR · checked 4 times
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
800 Park Ave, Utica, NY, 13501
New Automobile
4.25%
36 months
▼
APR4.25%
Term36 months
Last UpdatedOct 10, 2026
Details
Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 7 times
Rome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.64%
937 Seneca St, Rome, NY, 13440
New Auto 2026-2025
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedOct 12, 2026
Details
As Low As; Model Year: New 2026-2025; Max. Term
Rate History
No change since Oct 12, 2026 · 4.25% APR
Remington Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
39 Central Plz, Ilion, NY, 13357
New Automobiles & Motorcycles
4.25%
31-42 months
▼
APR4.25%
Term31-42 months
Last UpdatedOct 12, 2026
Details
As Low As; Model Year: 2023 - 2027
Rate History
1 change since Sep 16, 2026 · 4.69% → 4.25% ▼ 0.44 pts · high 4.69% / low 4.25%
- Oct 8, 20264.25%▼ from 4.69%
- Sep 16, 20264.69%first recorded
Remington Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
39 Central Plz, Ilion, NY, 13357
New Automobiles & Motorcycles
4.25%
43-54 months
▼
APR4.25%
Term43-54 months
Last UpdatedOct 12, 2026
Details
As Low As; Model Year: 2023 - 2027
Rate History
1 change since Sep 16, 2026 · 4.69% → 4.25% ▼ 0.44 pts · high 4.69% / low 4.25%
- Oct 8, 20264.25%▼ from 4.69%
- Sep 16, 20264.69%first recorded
Remington Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
39 Central Plz, Ilion, NY, 13357
New Automobiles & Motorcycles
4.25%
55-66 months
▼
APR4.25%
Term55-66 months
Last UpdatedOct 12, 2026
Details
As Low As; Model Year: 2023 - 2027
Rate History
1 change since Sep 16, 2026 · 4.69% → 4.25% ▼ 0.44 pts · high 4.69% / low 4.25%
- Oct 8, 20264.25%▼ from 4.69%
- Sep 16, 20264.69%first recorded
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
127 Schwenk Dr, Kingston, NY, 12401
New Vehicle Loan
4.25%
1 - 36 Months
▼
APR4.25%
Interest Rate4.25%
Term1 - 36 Months
Last UpdatedOct 13, 2026
Details
Risk Tier: A; Advertised rate applies to automatic payment or payroll deduction; add 1/2% for other payment options; GAP insurance required for 100% financing
Rate History
No change since Oct 13, 2026 · 4.25% APR
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
127 Schwenk Dr, Kingston, NY, 12401
New Vehicles
4.25%
1 - 36 Months
▼
APR4.25%
Interest Rate4.25%
Term1 - 36 Months
Last UpdatedOct 13, 2026
Details
Risk Rating: A; Advertised rate applies to automatic payment or payroll deduction; Add 1/2% for other payment options; GAP insurance required for 100% financing
Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 9 times
The Heart Center Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.71%
100 Port Washington Blvd, Roslyn, NY, 11576
New Auto
4.25%
72 Months
▼
APR4.25%
Interest Rate4.25%
Term72 Months
Last UpdatedOct 13, 2026
Details
As Low As; Rates shown are the lowest rates offered for the products advertised
Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 9 times
CCSE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
417 Broad St, Salamanca, NY, 14779
New Cars Loan
4.25%
up to 60 months
▼
APR4.25%
Termup to 60 months
Last UpdatedOct 13, 2026
Details
Published APR range: 4.25% - 12.25%. As Low As; Maximum Discount Rate: 3.50%; Advertised rates are credit score based and equivalent to an A borrower with all maximum rate discounts applied (0.75%)
Rate History
No change since Oct 13, 2026 · 4.25% APR
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
437 Main St, Highland Falls, NY, 10928 2085
New Auto Loan
4.29%
37-60 Months
▼
APR4.29%
Term37-60 Months
Last UpdatedOct 10, 2026
Details
As Low As
Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
437 Main St, Highland Falls, NY, 10928 2085
New Vehicle Loan
4.29%
37-60 months
▼
APR4.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details
As Low As; Rates subject to change.
Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.87%
26 Federal Plz Fl 31, New York, NY, 10278 1300
New Auto / Truck Loan
4.29%
36 Months
▼
APR4.29%
Term36 Months
Last UpdatedOct 13, 2026
Details
As Low As; With Direct Deposit (minimum $500 per month); New vehicles 2026 & 2025 models with 10,000 miles or less
Rate History
1 change since Sep 17, 2026 · 4.49% → 4.29% ▼ 0.20 pts · high 4.49% / low 4.29%
- Oct 5, 20264.29%▼ from 4.49%
- Sep 17, 20264.49%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
300 Crosspoint Pkwy, Getzville, NY, 14068 1606
Auto Loans - 2025 & Newer
4.34%
37 - 75 Months
▼
APR4.34%
Term37 - 75 Months
Last UpdatedOct 10, 2026
Details
As Low As; Loan Term
Rate History
2 changes since Sep 14, 2026 · 3.89% → 4.34% ▲ 0.45 pts · high 4.34% / low 3.89%
- Oct 10, 20264.34%▲ from 4.14%
- Sep 18, 20264.14%▲ from 3.89%
- Sep 14, 20263.89%first recorded
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.87%
800 Poly Pl Rm 1110, Brooklyn, NY, 11209 7104
New or Used Vehicles Loan
4.49%
49 - 60 months
▼
APR4.49%
Term49 - 60 months
Last UpdatedOct 10, 2026
Details
As Low As; Auto Pay Discount: 4.39%
Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 7 times
Auburn Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
65 WRIGHT CIR, AUBURN, NY, 13021 3135
New Auto Loan
4.49%
up to 36 months
▼
APR4.49%
Termup to 36 months
Last UpdatedOct 12, 2026
Details
As Low As*
Rate History
No change since Oct 8, 2026 · 4.49% APR · checked 2 times
UGEFCU
Institution Rating:
A5.0 ★ Texas Ratio: 8.82%
215 Old Campion Rd, New Hartford, NY, 13413 4953
New Vehicle Loan
4.49%
up to 48 Months
▼
APR4.49%
Termup to 48 Months
Last UpdatedOct 12, 2026
Details
As Low As; *
Rate History
No change since Sep 16, 2026 · 4.49% APR · checked 4 times
UGEFCU
Institution Rating:
A5.0 ★ Texas Ratio: 8.82%
215 Old Campion Rd, New Hartford, NY, 13413 4953
New Vehicle Loan
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedOct 12, 2026
Details
As Low As; *
Rate History
No change since Sep 16, 2026 · 4.49% APR · checked 4 times
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
795 E Main St Ste 1, Cobleskill, NY, 12043 1263
New Auto Loan: 2021-2027 Model Years
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedOct 12, 2026
Details
As Low As; Terms up to 72 months; minimum loan amount $20,000 for terms 72 months or greater
Rate History
No change since Sep 16, 2026 · 4.49% APR · checked 5 times
Crossroads Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
3031 William St, Cheektowaga, NY, 14227
New Auto (2025 & 2026)
4.49%
61 - 84 months
▼
APR4.49%
Term61 - 84 months
Last UpdatedOct 12, 2026
Details
Rate History
No change since Oct 12, 2026 · 4.49% APR
Olean Teachers And Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
1700 CONSTITUTION AVE, OLEAN, NY, 14760
New Auto
4.49%
up to 48 months
▼
APR4.49%
Termup to 48 months
Last UpdatedOct 12, 2026
Details
Published APR range: 4.49% - 12.24%. Auto (2024 & newer) 102% of NADA plus taxes and fees.
Rate History
No change since Sep 12, 2026 · 4.49% APR · checked 8 times
Rome Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
924 Turin St, Rome, NY, 13440
New & Used Autos & Motorcycles - 2022-2027
4.49%
6 years
▼
APR4.49%
Term6 years
Last UpdatedOct 13, 2026
Details
As Low As; Model Year: 2022-2027; Minimum loan amount $30,000; Rate based on member relationship; membership eligibility required
Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 2 times
Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
27 Seneca St, Geneva, NY, 14456 3502
Auto Loan - New Auto (2025 & newer)
4.49%
63 Months
▼
APR4.49%
Term63 Months
Last UpdatedOct 13, 2026
Details
As Low As; Model Year: New Auto (2025 & newer); APR with Discount as low as*: 3.99%
Rate History
No change since Oct 13, 2026 · 4.49% APR
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
423 E 23rd St, New York, NY, 10010 5011
New Vehicle - fixed rate
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedOct 13, 2026
Details
As Low As; Maximum loan amount: $100,000 (includes motorcycles, boats, & RV's)
Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 7 times
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
207 Genesee St, Utica, NY, 13501
New Auto Loans (2 Years Old & Newer)
4.49%
2 Years
▼
APR4.49%
Term2 Years
Last UpdatedOct 13, 2026
Details
Additional APR listed for this product: 4.99%, 5.75%. Credit Grade: A+ (730+)
Rate History
No change since Sep 25, 2026 · 4.49% APR · checked 3 times
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
800 Park Ave, Utica, NY, 13501
New Automobile
4.50%
37-48 months
▼
APR4.50%
Term37-48 months
Last UpdatedOct 10, 2026
Details
Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 7 times
Rome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.64%
937 Seneca St, Rome, NY, 13440
New Auto 2026-2025
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedOct 12, 2026
Details
As Low As; Model Year: New 2026-2025; Max. Term
Rate History
No change since Oct 12, 2026 · 4.50% APR
Cadets Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
927 Grant St, Buffalo, NY, 14207 2820
New Auto Loan (2026-2027)
4.50%
36 Month
▼
APR4.50%
Term36 Month
Last UpdatedOct 12, 2026
Details
Model Year: 2026-2027; Credit Limit: Up To 100% Financing
Rate History
No change since Oct 12, 2026 · 4.50% APR
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
2890 Transit Rd, Newfane, NY, 14108 9740
New/Used Auto
4.50%
61 - 84 months
▼
APR4.50%
Term61 - 84 months
Last UpdatedOct 13, 2026
Details
As Low As
Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 9 times
SUMA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.06%
125 Corporate Blvd, Yonkers, NY, 10701
New Auto Loans
4.50%
Up to 4 Years
▼
APR4.50%
TermUp to 4 Years
Last UpdatedOct 13, 2026
Details
100% Financing; With 700 Credit Score or above; For autos over $50,000 - 90% financing maximum
Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 8 times
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.02%
215 2nd Ave, New York, NY, 10003
New Car Loans
4.50%
Up to 72 months
▼
APR4.50%
TermUp to 72 months
Last UpdatedOct 13, 2026
Details
As Low As; 5%-40% down payment
Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 9 times
New York University Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
726 Broadway Ste 110, New York, NY, 10003 9616
New Electric Vehicle Loan
4.50%
Up to 48 months
▼
APR4.50%
TermUp to 48 months
Last UpdatedOct 13, 2026
Details
Credit Score: 700-759; Credit Tier: A
Rate History
No change since Oct 13, 2026 · 4.50% APR
Erie County Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
NY
New Auto Loans
4.50%
72 months
▼
APR4.50%
Interest Rate4.50%
Term72 months
Last UpdatedOct 13, 2026
Details
As Low As
Rate History
No change since Oct 13, 2026 · 4.50% APR
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
437 Main St, Highland Falls, NY, 10928 2085
New Auto Loan
4.59%
61-72 Months
▼
APR4.59%
Term61-72 Months
Last UpdatedOct 10, 2026
Details
As Low As
Rate History
No change since Sep 30, 2026 · 4.59% APR · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
437 Main St, Highland Falls, NY, 10928 2085
New Vehicle Loan
4.59%
61-72 months
▼
APR4.59%
Term61-72 months
Last UpdatedOct 10, 2026
Details
As Low As; Rates subject to change.
Rate History
No change since Sep 30, 2026 · 4.59% APR · checked 4 times
GREATER CHAUTAUQUA
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
57 Lake Shore Dr W, Dunkirk, NY, 14048 1517
New Autos (2 Years and Newer)
4.60%
37 to 48 Months
▼
APR4.60%
Term37 to 48 Months
Last UpdatedOct 10, 2026
Details
As Low As; *
Rate History
No change since Sep 18, 2026 · 4.60% APR · checked 6 times
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
125 Wireless Blvd, Hauppauge, NY, 11788 3971
New Vehicle Loan
4.60%
1-5 years
▼
APR4.60%
Term1-5 years
Last UpdatedOct 12, 2026
Details
As low as 4.60%*; Applies to applicants with direct deposit of net pay and a checking account.
Rate History
No change since Sep 14, 2026 · 4.60% APR · checked 5 times
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.09%
355 Hales Mills Rd Ext, Gloversville, NY, 12078 5703
Autos - 2023 & Newer
4.60%
Up to 3 Years
▼
APR4.60%
TermUp to 3 Years
Last UpdatedOct 13, 2026
Details
As Low As; Model Year: 2023 & Newer; Comments: Up to 100% NADA + Tax + Warranty; .25% discount for automatic payments included
Rate History
No change since Oct 9, 2026 · 4.60% APR · checked 2 times
North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.36%
2488 State Route 11, Mooers, NY, 12958
New/Used Vehicles with Titles Loan
4.64%
2 years
▼
APR4.64%
Term2 years
Last UpdatedOct 13, 2026
Details
As Low As; Rate determined by credit qualifications and term; Titled vehicles only
Rate History
No change since Oct 9, 2026 · 4.64% APR · checked 2 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
290 Broadway Fl 10, New York, NY, 10007 1823
New Automobile Loan
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedOct 12, 2026
Details
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
Rate History
No change since Oct 12, 2026 · 4.69% APR
Powered by
MonitorBankRates
New York Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Meridia Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
4500 Southwestern Blvd, Hamburg, NY, 14075
Used Auto Loan
3.29%
Up to 60 months
▼
APR3.29%
TermUp to 60 months
Last UpdatedOct 12, 2026
Details
As Low As; Model Year: 2021-2026; APR determined by credit score and model year
Rate History
No change since Oct 4, 2026 · 3.29% APR · checked 3 times
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
New & Used Autos
3.75%
24 Months
▼
APR3.75%
Term24 Months
Last UpdatedOct 13, 2026
Details
As Low As; $100,000 Max-100% of Invoice Including Sales Tax on New Vehicles - 100% Retail J.D. Power Loan Value With No Options on Used Vehicles
Rate History
1 change since Sep 17, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 5, 20263.75%▲ from 3.50%
- Sep 17, 20263.50%first recorded
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
New & Used Autos
3.75%
36 Months
▼
APR3.75%
Term36 Months
Last UpdatedOct 13, 2026
Details
As Low As; $100,000 Max-100% of Invoice Including Sales Tax on New Vehicles - 100% Retail J.D. Power Loan Value With No Options on Used Vehicles
Rate History
1 change since Sep 17, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 5, 20263.75%▲ from 3.50%
- Sep 17, 20263.50%first recorded
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
New & Used Autos
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedOct 13, 2026
Details
As Low As; $100,000 Max-100% of Invoice Including Sales Tax on New Vehicles - 100% Retail J.D. Power Loan Value With No Options on Used Vehicles
Rate History
1 change since Sep 17, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 5, 20263.75%▲ from 3.50%
- Sep 17, 20263.50%first recorded
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
New & Used Autos
3.75%
60 Months
▼
APR3.75%
Term60 Months
Last UpdatedOct 13, 2026
Details
As Low As; $100,000 Max-100% of Invoice Including Sales Tax on New Vehicles - 100% Retail J.D. Power Loan Value With No Options on Used Vehicles
Rate History
1 change since Sep 17, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 5, 20263.75%▲ from 3.50%
- Sep 17, 20263.50%first recorded
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
LaGuardia Airport Hangar 3 Room 122, Flushing, NY, 11371
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details
As Low As; Auto & Recreational Loans
Rate History
No change since Sep 14, 2026 · 3.84% APR · checked 7 times
NIAGARAS CHOICE
Institution Rating:
A5.0 ★ Texas Ratio: 6.02%
3619 Packard Rd, Niagara Falls, NY, 14303 2224
Used Auto
3.90%
24 to 66 months
▼
APR3.90%
Term24 to 66 months
Last UpdatedOct 10, 2026
Details
Rate includes auto-pay discount of .25%
Rate History
1 change since Sep 18, 2026 · 3.70% → 3.90% ▲ 0.20 pts · high 3.90% / low 3.70%
- Oct 6, 20263.90%▲ from 3.70%
- Sep 18, 20263.70%first recorded
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
2890 Transit Rd, Newfane, NY, 14108 9740
New/Used Auto
3.90%
Up to 36 months
▼
APR3.90%
TermUp to 36 months
Last UpdatedOct 13, 2026
Details
As Low As
Rate History
No change since Sep 14, 2026 · 3.90% APR · checked 9 times
One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
130 S Elmwood Ave Ste 126, Buffalo, NY, 14202 2465
New & Used Cars and Trucks Loan
3.99%
Up to 24 months
▼
APR3.99%
Interest Rate3.99%
TermUp to 24 months
Last UpdatedOct 9, 2026
Details
Limited Time Special Rate! This is a limited time special rate offer and can expire at anytime without notice. Rates apply to new and used vehicles, or a refinanced auto loan from another lender or a leased auto buyout.
Rate History
No change since Oct 9, 2026 · 3.99% APR
One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
130 S Elmwood Ave Ste 126, Buffalo, NY, 14202 2465
New & Used Cars and Trucks Loan
3.99%
25 to 36 months
▼
APR3.99%
Interest Rate3.99%
Term25 to 36 months
Last UpdatedOct 9, 2026
Details
Limited Time Special Rate! This is a limited time special rate offer and can expire at anytime without notice. Rates apply to new and used vehicles, or a refinanced auto loan from another lender or a leased auto buyout.
Rate History
No change since Oct 9, 2026 · 3.99% APR
One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
130 S Elmwood Ave Ste 126, Buffalo, NY, 14202 2465
New & Used Cars and Trucks Loan
3.99%
37 to 48 months
▼
APR3.99%
Interest Rate3.99%
Term37 to 48 months
Last UpdatedOct 9, 2026
Details
Limited Time Special Rate! This is a limited time special rate offer and can expire at anytime without notice. Rates apply to new and used vehicles, or a refinanced auto loan from another lender or a leased auto buyout.
Rate History
No change since Oct 9, 2026 · 3.99% APR
One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
130 S Elmwood Ave Ste 126, Buffalo, NY, 14202 2465
New & Used Cars and Trucks Loan
3.99%
49 to 60 months
▼
APR3.99%
Interest Rate3.99%
Term49 to 60 months
Last UpdatedOct 9, 2026
Details
Limited Time Special Rate! This is a limited time special rate offer and can expire at anytime without notice. Rates apply to new and used vehicles, or a refinanced auto loan from another lender or a leased auto buyout.
Rate History
No change since Oct 9, 2026 · 3.99% APR
MOOG EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
7181 SENECA St, EAST AURORA, NY, 14052 0018
Used Auto Loans
3.99%
12-24 months
▼
APR3.99%
Term12-24 months
Last UpdatedOct 10, 2026
Details
Up to $100,000.00; Used purchases only (excludes refinances on existing MEFCU loans)
Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 4 times
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.87%
800 Poly Pl Rm 1110, Brooklyn, NY, 11209 7104
New or Used Vehicles Loan
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedOct 10, 2026
Details
As Low As; Auto Pay Discount: 3.89%
Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 7 times
Triboro Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
14202 20th Ave, Flushing, NY, 11351 3000
Used Car Loan
3.99%
60 months
▼
APR3.99%
Term60 months
Last UpdatedOct 12, 2026
Details
18 - 19
Rate History
No change since Sep 16, 2026 · 3.99% APR · checked 6 times
Crossroads Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
3031 William St, Cheektowaga, NY, 14227
Used Auto (2021 - 2025)
3.99%
Up to 60 months
▼
APR3.99%
TermUp to 60 months
Last UpdatedOct 12, 2026
Details
Rate History
No change since Oct 12, 2026 · 3.99% APR
TrailNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
1178 NYS Route 9N, Ticonderoga, NY, 12883 3106
Auto Loan - New & Late Model Used 6 Years or Newer
3.99%
Up to 24 months
▼
APR3.99%
TermUp to 24 months
Last UpdatedOct 12, 2026
Details
As Low As; Max Mileage for Auto Loans is 150,000
Rate History
No change since Oct 12, 2026 · 3.99% APR
Rome Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
924 Turin St, Rome, NY, 13440
New & Used Autos & Motorcycles - 2022-2027
3.99%
5 years
▼
APR3.99%
Term5 years
Last UpdatedOct 13, 2026
Details
As Low As; Model Year: 2022-2027; Rate based on member relationship; membership eligibility required
Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 2 times
Niagara Wheatfield Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.90%
2346 SAUNDERS SETTLEMENT RD, SANBORN, NY, 14132
New & Used Vehicles Loan
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedOct 13, 2026
Details
Rates may be higher based on credit score; Certain Conditions Apply
Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 7 times
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
100 McGuinness Blvd, Brooklyn, NY, 11222
Used Auto Loans
3.99%
4 years
▼
APR3.99%
Interest Rate3.99%
Term4 years
Last UpdatedOct 13, 2026
Details
As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account
Rate History
No change since Sep 17, 2026 · 3.99% APR · checked 8 times
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
100 McGuinness Blvd, Brooklyn, NY, 11222
Used Auto Loans
3.99%
3 years
▼
APR3.99%
Interest Rate3.99%
Term3 years
Last UpdatedOct 13, 2026
Details
As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account
Rate History
No change since Sep 17, 2026 · 3.99% APR · checked 8 times
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
100 McGuinness Blvd, Brooklyn, NY, 11222
Used Auto Loans
3.99%
2 years
▼
APR3.99%
Interest Rate3.99%
Term2 years
Last UpdatedOct 13, 2026
Details
As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account
Rate History
No change since Sep 17, 2026 · 3.99% APR · checked 8 times
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
100 McGuinness Blvd, Brooklyn, NY, 11222
Used Auto Loans
3.99%
1 year
▼
APR3.99%
Interest Rate3.99%
Term1 year
Last UpdatedOct 13, 2026
Details
As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account
Rate History
No change since Sep 17, 2026 · 3.99% APR · checked 8 times
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3251 BROADWAY St, CHEEKTOWAGA, NY, 14227 1033
Used automobile 2021 - 2026
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedOct 13, 2026
Details
Risk based scoring premium may apply by FICO score
Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 9 times
Lower East Side Peoples Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.13%
37 AVENUE B, NEW YORK, NY, 10009
Used Auto Loan
3.99%
Up to 72 months
▼
APR3.99%
TermUp to 72 months
Last UpdatedOct 13, 2026
Details
As Low As; Financing: 100%; Subject to approval based on credit score
Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 8 times
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
2890 Transit Rd, Newfane, NY, 14108 9740
New/Used Auto
4.10%
37 - 60 months
▼
APR4.10%
Term37 - 60 months
Last UpdatedOct 13, 2026
Details
As Low As
Rate History
No change since Sep 14, 2026 · 4.10% APR · checked 9 times
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.87%
800 Poly Pl Rm 1110, Brooklyn, NY, 11209 7104
New or Used Vehicles Loan
4.24%
37 - 48 months
▼
APR4.24%
Term37 - 48 months
Last UpdatedOct 10, 2026
Details
As Low As; Auto Pay Discount: 4.14%
Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 7 times
TrailNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
1178 NYS Route 9N, Ticonderoga, NY, 12883 3106
Auto Loan - New & Late Model Used 6 Years or Newer
4.24%
Up to 36 months
▼
APR4.24%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details
As Low As; Max Mileage for Auto Loans is 150,000
Rate History
No change since Oct 12, 2026 · 4.24% APR
Hudson River Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.82%
NY
New/Used Vehicle Loan
4.25%
36 Month
▼
APR4.25%
Term36 Month
Last UpdatedOct 10, 2026
Details
As Low As; Fixed Rate
Rate History
No change since Sep 22, 2026 · 4.25% APR · checked 4 times
MOOG EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
7181 SENECA St, EAST AURORA, NY, 14052 0018
Used Auto Loans
4.25%
25-36 months
▼
APR4.25%
Term25-36 months
Last UpdatedOct 10, 2026
Details
Up to $100,000.00; Used purchases only (excludes refinances on existing MEFCU loans)
Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 4 times
Meridia Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
4500 Southwestern Blvd, Hamburg, NY, 14075
Used Auto Loan
4.29%
61-75 months
▼
APR4.29%
Term61-75 months
Last UpdatedOct 12, 2026
Details
As Low As; Model Year: 2021-2026; APR determined by credit score and model year
Rate History
No change since Oct 4, 2026 · 4.29% APR · checked 3 times
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3251 BROADWAY St, CHEEKTOWAGA, NY, 14227 1033
Used automobile 2021 - 2026
4.29%
72 months
▼
APR4.29%
Term72 months
Last UpdatedOct 13, 2026
Details
Risk based scoring premium may apply by FICO score
Rate History
No change since Sep 14, 2026 · 4.29% APR · checked 9 times
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.87%
800 Poly Pl Rm 1110, Brooklyn, NY, 11209 7104
New or Used Vehicles Loan
4.49%
49 - 60 months
▼
APR4.49%
Term49 - 60 months
Last UpdatedOct 10, 2026
Details
As Low As; Auto Pay Discount: 4.39%
Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 7 times
Rome Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
924 Turin St, Rome, NY, 13440
New & Used Autos & Motorcycles - 2022-2027
4.49%
6 years
▼
APR4.49%
Term6 years
Last UpdatedOct 13, 2026
Details
As Low As; Model Year: 2022-2027; Minimum loan amount $30,000; Rate based on member relationship; membership eligibility required
Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 2 times
Fox Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
1211 Avenue of the Americas Fl 18, New York, NY, 10036
Used Auto Loans
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedOct 13, 2026
Details
As Low As; Loan Type: 100% financing of retail Kelley Blue Book for autos less than 6 years old; Estimated Payment per $1,000.00: $27.98
Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 8 times
Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
27 Seneca St, Geneva, NY, 14456 3502
Auto Loan - Used Auto 2024
4.49%
63 Months
▼
APR4.49%
Term63 Months
Last UpdatedOct 13, 2026
Details
As Low As; Model Year: Used Auto - 2024; APR with Discount as low as*: 3.99%
Rate History
No change since Oct 13, 2026 · 4.49% APR
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
207 Genesee St, Utica, NY, 13501
Used Auto Loans (3 to 6 Years Old)
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedOct 13, 2026
Details
Credit Grade: A+ (730+)
Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 7 times
Triboro Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
14202 20th Ave, Flushing, NY, 11351 3000
Used Car Loan
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedOct 12, 2026
Details
16 - 17
Rate History
No change since Sep 16, 2026 · 4.50% APR · checked 6 times
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
2890 Transit Rd, Newfane, NY, 14108 9740
New/Used Auto
4.50%
61 - 84 months
▼
APR4.50%
Term61 - 84 months
Last UpdatedOct 13, 2026
Details
As Low As
Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 9 times
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
100 McGuinness Blvd, Brooklyn, NY, 11222
Used Auto Loans
4.50%
5 years
▼
APR4.50%
Interest Rate4.50%
Term5 years
Last UpdatedOct 13, 2026
Details
As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account
Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 9 times
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
LaGuardia Airport Hangar 3 Room 122, Flushing, NY, 11371
Used Auto
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedOct 13, 2026
Details
As Low As; Auto & Recreational Loans
Rate History
No change since Sep 14, 2026 · 4.59% APR · checked 7 times
North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.36%
2488 State Route 11, Mooers, NY, 12958
New/Used Vehicles with Titles Loan
4.64%
2 years
▼
APR4.64%
Term2 years
Last UpdatedOct 13, 2026
Details
As Low As; Rate determined by credit qualifications and term; Titled vehicles only
Rate History
No change since Oct 9, 2026 · 4.64% APR · checked 2 times
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MonitorBankRates
New York Auto Loan Rate Trends
Compare local New York auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
New Auto Loan NY Avg
5.290%
▲ 0.118 vs 7 days ago
New York new auto rates rose 0.118 points over the past 7 days to 5.290% APR.
Used Auto Loan NY Avg
5.970%
▼ 0.029 vs 7 days ago
New York used auto rates fell 0.029 points over the past 7 days to 5.970% APR.
As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered byMonitorBankRates
New York Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current New York figures.
Current New Auto Avg
5.29%
APR, as of Oct 13, 2026
6-Month Forecast
5.37%
Fed hold assumed
12-Month Forecast
5.44%
Range: 5.09% to 5.64%
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
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What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average New York APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.29% APR NY average | Used Auto @ 5.97% APR NY average | Monthly Difference |
|---|---|---|---|
| $15,000 | $285.07/mo | $289.78/mo | $4.71/mo |
| $25,000 | $475.11/mo | $482.97/mo | $7.86/mo |
| $35,000 | $665.16/mo | $676.16/mo | $11.00/mo |
| $45,000 | $855.21/mo | $869.35/mo | $14.14/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
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How to Get the Best Auto Loan Rate in New York
1
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving New York locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
2
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in New York. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
3
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
4
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
Building a down payment, or is an auto loan not the right fit?
- Saving up for a bigger down payment: park it in a New York high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: New York CD rates lock in a guaranteed return until you’re ready to buy
New York Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
$50,891
Median Individual Earnings
National avg: $47,340
6.4%
Unemployment Rate
National avg: 4.8%
14.0%
Poverty Rate
National avg: 11.1%
$570/mo
Payment on a $30K / 60-mo Loan
At NY new-auto avg 5.29% APR
A $570 monthly car payment works out to roughly 13.4% of the median individual income in New York. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in New York, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1 to 3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in New York. We’ve prefilled the APR with today’s NY new-auto average, or click any current rate on the right to apply it instantly.
$
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Current Rates: Click to Apply
$0
Estimated Monthly Payment
Loan Amount$0
Total Interest Paid$0
Total of All Payments$0
Total Cost incl. Down Payment$0
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our New York auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for New York directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in New York. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in NY.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Bad Credit Auto Loans in New York
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
Avg. new car loan we track: 5.97% APR Avg. used car loan we track: 6.70% APR
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
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Frequently Asked Questions about Auto Loans in New York
How does my credit score affect my car loan rate in New York?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in New York with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in New York *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in New York typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
Should I get preapproved for an auto loan before visiting a dealer in New York?
Yes. A preapproval from a bank or credit union serving New York gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.
Why are used car loan rates higher than new car rates?
Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.
Can I refinance my auto loan if rates drop or my credit improves?
Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving New York can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.
Can I get an auto loan with bad credit in New York?
Yes. Banks, credit unions, and dealer lenders all finance borrowers with subprime credit, but at higher rates. Getting preapproved by a credit union before you visit a dealer, putting more money down, and choosing a shorter term all improve your chances of approval and lower the total cost.
What is the average car loan rate for bad credit?
According to Experian, in the second quarter of 2026 subprime borrowers (scores 501 to 600) paid an average of 13.52% APR on new cars and 19.10% on used cars. Deep subprime borrowers (300 to 500) averaged 16.11% on new and 21.62% on used. Prime borrowers averaged 6.15% and 8.81%.
What are the best Auto Loan rates in New York?
Based on our current data, some of the lowest auto loan rates available in New York include:
- Boulevard Federal Credit Union: 1.99% (Auto Loan - Models 2025-2027)
- Triboro Postal Federal Credit Union: 2.25% (New Car Loan)
- Meridia Community Federal Credit Union: 2.99% (New Auto Loan)
- Polish And Slavic Federal Credit Union: 2.99% (New Auto Loan)
- Afgm Enterprises Federal Credit Union: 3.00% (New Auto / Truck)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in New York. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: October 13, 2026
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