Auto Loan Rates in New York (NY) for June 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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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.
Current auto loan rates in New York include Triboro Postal Federal Credit UnionTriboro Postal Federal Credit Union14202 20th Ave, Flushing, NY, 11351 3000A+5.0 ★Texas Ratio: 0.75% offering New Car Loan at 2.25%, Baxter Credit UnionBaxter Credit Union300 Crosspoint Pkwy, Getzville, NY, 14068 1606A5.0 ★Texas Ratio: 7.04% offering Auto Loans at 3.24%, Financial Trust Federal Credit UnionFinancial Trust Federal Credit Union3333 Harlem Rd, Cheektowaga, NY, 14225A+5.0 ★Texas Ratio: 1.71% offering New Auto Loan at 3.29%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionLaGuardia Airport Hangar 3 Room 122, Flushing, NY, 11371A+5.0 ★Texas Ratio: 2.51% offering New Auto at 3.34%, Town of Cheektowaga Federal Credit UnionTown of Cheektowaga Federal Credit Union3251 BROADWAY St, CHEEKTOWAGA, NY, 14227 1033A+5.0 ★Texas Ratio: 0.26% offering New automobile at 3.49%. Auto loan rates as of June 3, 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 2.25% APR from Triboro Postal Federal Credit Union at 14202 20th Ave, Flushing, NY, 11351 3000. Rates are continually updated — 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: June 3, 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
Triboro Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
14202 20th Ave, Flushing, NY, 11351 3000
New Car Loan
2.25%
36 Months
▼
APR2.25%
Term36 Months
Last UpdatedMay 21, 2026
Details
20 - 21
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
300 Crosspoint Pkwy, Getzville, NY, 14068 1606
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMay 20, 2026
Details
As Low As; APR - 2026 & Newer
Financial Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
3333 Harlem Rd, Cheektowaga, NY, 14225
New Auto Loan
3.29%
12 Months
▼
APR3.29%
Term12 Months
Last UpdatedMay 29, 2026
Details
From 12 to 60 Months
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
LaGuardia Airport Hangar 3 Room 122, Flushing, NY, 11371
New Auto
3.34%
36 Months
▼
APR3.34%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 36 Months
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
3251 BROADWAY St, CHEEKTOWAGA, NY, 14227 1033
New automobile
3.49%
36 months
▼
APR3.49%
Term36 months
Last UpdatedMay 22, 2026
Details
Western Division Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
6750 MAIN ST, WILLIAMSVILLE, NY, 14221
Vehicle Loan
3.49%
24 Months
▼
APR3.49%
Term24 Months
Last UpdatedMay 30, 2026
Details
Cars & Trucks; Military; First Responder; Graduate & First-time Discounts
MAMTA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
1000 W Boston Post Rd, Mamaroneck, NY, 10543 3328
New & Used Cars
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 17, 2026
Details
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
132 Cayuga Rd, Cheektowaga, NY, 14225
New Auto / Truck
3.50%
60 months
▼
APR3.50%
Term60 months
Last UpdatedMay 22, 2026
Details
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
Auto Loan Special
3.50%
60 Months
▼
APR3.50%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
New & Used Autos
3.50%
24 Months
▼
APR3.50%
Term24 Months
Last UpdatedMay 22, 2026
Details
As Low As
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.55%
927 Grant St, Buffalo, NY, 14207 2820
New Autos (2025-2026)
3.50%
36 Month
▼
APR3.50%
Term36 Month
Last UpdatedMay 29, 2026
Details
Up To 100% Financing
ALCO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New auto loans
3.50%
24 months
▼
APR3.50%
Term24 months
Last UpdatedJun 1, 2026
Details
NIAGARAS CHOICE
Institution Rating:
A+5.0 ★ Texas Ratio: 2.37%
3619 Packard Rd, Niagara Falls, NY, 14303 2224
New Auto (2024 or newer)
3.70%
24 to 84
▼
APR3.70%
Term24 to 84
Last UpdatedJun 1, 2026
Details
As Low As; Rate includes auto-pay discount of .25%
NIAGARAS CHOICE
Institution Rating:
A+5.0 ★ Texas Ratio: 2.37%
3619 Packard Rd, Niagara Falls, NY, 14303 2224
Used Auto (2019-2023)
3.70%
24 to 72
▼
APR3.70%
Term24 to 72
Last UpdatedJun 1, 2026
Details
As Low As; Rate includes auto-pay discount of .25%
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.55%
927 Grant St, Buffalo, NY, 14207 2820
New Autos (2025-2026)
3.75%
48 Month
▼
APR3.75%
Term48 Month
Last UpdatedMay 29, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
LaGuardia Airport Hangar 3 Room 122, Flushing, NY, 11371
Used Auto
3.84%
36 Months
▼
APR3.84%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 36 Months
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
2890 Transit Rd, Newfane, NY, 14108 9740
New/Used Auto
3.90%
36 Months
▼
APR3.90%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
Division 726 Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 24.45%
4886 ARTHUR KILL RD, STATEN ISLAND, NY, 10309
New Auto (Up to 72 Months)
3.95%
72 Months
▼
APR3.95%
Term72 Months
Last UpdatedMay 22, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
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 UpdatedMay 17, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
300 Crosspoint Pkwy, Getzville, NY, 14068 1606
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMay 20, 2026
Details
As Low As; APR - 2026 & Newer
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 6.28%
256 Hoosick St, Troy, NY, 12180
Vehicle Loan 2 Year Loan (2023 and Newer)
3.99%
2 Months
▼
APR3.99%
Term2 Months
Last UpdatedMay 20, 2026
Details
Triboro Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
14202 20th Ave, Flushing, NY, 11351 3000
Used Car Loan
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 21, 2026
Details
18 - 19
Affinity One Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
545 E 2nd St, Jamestown, NY, 14701
Vehicle Loan
3.99%
24 Months
▼
APR3.99%
Term24 Months
Last UpdatedMay 22, 2026
Details
As Low As
Niagara Wheatfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
2346 SAUNDERS SETTLEMENT RD, SANBORN, NY, 14132
New & Used Vehicles up to 36 months Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 22, 2026
Details
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
1937 Union Rd, West Seneca, NY, 14224
New Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; For New Models 2026-2022
Medisys Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
8900 VAN WYCK EXPY, JAMAICA, NY, 11418
New Automobile Loans
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
Medisys Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
8900 VAN WYCK EXPY, JAMAICA, NY, 11418
Used Automobile Loans
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
4311 Middle Settlement Rd, New Hartford, NY, 13413
New Auto Loans (2023-2027)
3.99%
1 to 60
▼
APR3.99%
Term1 to 60
Last UpdatedMay 22, 2026
Details
As Low As
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
3251 BROADWAY St, CHEEKTOWAGA, NY, 14227 1033
New automobile
3.99%
60 months
▼
APR3.99%
Term60 months
Last UpdatedMay 22, 2026
Details
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
3251 BROADWAY St, CHEEKTOWAGA, NY, 14227 1033
Used automobile 2021 - 2026
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedMay 22, 2026
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
211 Wilkinson St, Syracuse, NY, 13204
Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As
MOOG EMPLOYEES
Institution Rating:
A5.0 ★ Texas Ratio: 0.11%
7181 SENECA St, EAST AURORA, NY, 14052 0018
New Auto Loans
3.99%
12-60
▼
APR3.99%
Term12-60
Last UpdatedJun 1, 2026
Details
MOOG EMPLOYEES
Institution Rating:
A5.0 ★ Texas Ratio: 0.11%
7181 SENECA St, EAST AURORA, NY, 14052 0018
Used Auto Loans
3.99%
12-24
▼
APR3.99%
Term12-24
Last UpdatedJun 1, 2026
Details
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
132 Cayuga Rd, Cheektowaga, NY, 14225
New Auto / Truck
4.00%
61 - 72 months
▼
APR4.00%
Term61 - 72 months
Last UpdatedMay 22, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.55%
927 Grant St, Buffalo, NY, 14207 2820
New Autos (2025-2026)
4.00%
54 Month
▼
APR4.00%
Term54 Month
Last UpdatedMay 29, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.55%
927 Grant St, Buffalo, NY, 14207 2820
Used Autos (2015-2025)
4.00%
36 Month
▼
APR4.00%
Term36 Month
Last UpdatedMay 29, 2026
Details
ALCO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New auto loans
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedJun 1, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
LaGuardia Airport Hangar 3 Room 122, Flushing, NY, 11371
New Auto
4.09%
60 Months
▼
APR4.09%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 60 months
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
2890 Transit Rd, Newfane, NY, 14108 9740
New/Used Auto
4.10%
60 Months
▼
APR4.10%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.81%
423 E 23rd St, New York, NY, 10010 5011
New Vehicle - fixed rate
4.14%
36 Months
▼
APR4.14%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★ Texas Ratio: 4.12%
57 Lake Shore Dr W, Dunkirk, NY, 14048 1517
New Autos (2 Years and Newer)
4.15%
36 Months
▼
APR4.15%
Term36 Months
Last UpdatedJun 1, 2026
Details
As Low As
ALCO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New auto loans
4.15%
48 months
▼
APR4.15%
Term48 months
Last UpdatedJun 1, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
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 UpdatedMay 17, 2026
Details
As Low As
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 6.28%
256 Hoosick St, Troy, NY, 12180
Vehicle Loan 3 Year Loan (2023 and Newer)
4.24%
3 Months
▼
APR4.24%
Term3 Months
Last UpdatedMay 20, 2026
Details
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
390 W Seneca St, Sherrill, NY, 13461
Vehicle Loan 2024 and newer
4.24%
1 - 48
▼
APR4.24%
Term1 - 48
Last UpdatedMay 22, 2026
Details
As Low As
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
1937 Union Rd, West Seneca, NY, 14224
New Auto Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As; For New Models 2026-2022
Fox Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
1211 Avenue of the Americas Fl 18, New York, NY, 10036
New Auto Loans
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; 100% financing of purchase price, tax and license
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.81%
423 E 23rd St, New York, NY, 10010 5011
New Vehicle - fixed rate
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
4311 Middle Settlement Rd, New Hartford, NY, 13413
New Auto Loans (2023-2027)
4.24%
61 to 66
▼
APR4.24%
Term61 to 66
Last UpdatedMay 22, 2026
Details
As Low As
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
211 Wilkinson St, Syracuse, NY, 13204
Auto Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As
SPECIAL METALS
Institution Rating:
A5.0 ★ Texas Ratio: 8.08%
4340 Middle Settlement Rd, New Hartford, NY, 13413 5316
Automobiles 2023 - 2026
4.24%
12 Months
▼
APR4.24%
Term12 Months
Last UpdatedJun 1, 2026
Details
SPECIAL METALS
Institution Rating:
A5.0 ★ Texas Ratio: 8.08%
4340 Middle Settlement Rd, New Hartford, NY, 13413 5316
New Automobiles
4.24%
60 Months
▼
APR4.24%
Term60 Months
Last UpdatedJun 1, 2026
Details
As Low As; 2023 - 2026 - 60 months
HIGH POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
1201 Wayne St, Olean, NY, 14760
Auto Loan 2025 & newer
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedJun 1, 2026
Details
As Low As; Up to 48 Months
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
127 Schwenk Dr, Kingston, NY, 12401
New Vehicles 1 - 36 Months A Loan
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 22, 2026
Details
The Heart Center Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.89%
100 Port Washington Blvd, Roslyn, NY, 11576
New Auto
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.55%
927 Grant St, Buffalo, NY, 14207 2820
New Autos (2025-2026)
4.25%
60 Month
▼
APR4.25%
Term60 Month
Last UpdatedMay 29, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.55%
927 Grant St, Buffalo, NY, 14207 2820
Used Autos (2015-2025)
4.25%
48 Month
▼
APR4.25%
Term48 Month
Last UpdatedMay 29, 2026
Details
ALCO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New auto loans
4.25%
60 months
▼
APR4.25%
Term60 months
Last UpdatedJun 1, 2026
Details
NORTH TOWNS
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
9145 Sheridan Dr, Clarence, NY, 14031
New and used Vehicle (Purchase or Refinance) - Model year 2011 or Newer
4.25%
2 Months
▼
APR4.25%
Term2 Months
Last UpdatedJun 1, 2026
Details
As Low As; as low as...
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
800 Park Ave, Utica, NY, 13501
New Automobile
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedJun 1, 2026
Details
MOOG EMPLOYEES
Institution Rating:
A5.0 ★ Texas Ratio: 0.11%
7181 SENECA St, EAST AURORA, NY, 14052 0018
Used Auto Loans
4.25%
25-36
▼
APR4.25%
Term25-36
Last UpdatedJun 1, 2026
Details
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
3251 BROADWAY St, CHEEKTOWAGA, NY, 14227 1033
Used automobile 2021 - 2026
4.29%
72 months
▼
APR4.29%
Term72 months
Last UpdatedMay 22, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
800 Poly Pl Rm 1110, Brooklyn, NY, 11209 7104
NEW or USED vehicles Loan
4.39%
up to 36
▼
APR4.39%
Termup to 36
Last UpdatedJun 1, 2026
Details
As Low As; w/ Auto Pay Discount
HIGH POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
1201 Wayne St, Olean, NY, 14760
Auto Loan 2022 - 2024
4.44%
48 Months
▼
APR4.44%
Term48 Months
Last UpdatedJun 1, 2026
Details
As Low As; Up to 48 Months
HIGH POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
1201 Wayne St, Olean, NY, 14760
Auto Loan 2025 & newer
4.44%
60 Months
▼
APR4.44%
Term60 Months
Last UpdatedJun 1, 2026
Details
As Low As; 49-60 Months
Auburn Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
65 WRIGHT CIR, AUBURN, NY, 13021 3135
Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 17, 2026
Details
As Low As
UGEFCU
Institution Rating:
A+5.0 ★ Texas Ratio: 5.36%
215 Old Campion Rd, New Hartford, NY, 13413 4953
New Vehicle
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 17, 2026
Details
As Low As
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
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 UpdatedMay 17, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
300 Crosspoint Pkwy, Getzville, NY, 14068 1606
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMay 20, 2026
Details
As Low As; APR - 2023 - 2025*
AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.21%
1916 Black River Blvd N, Rome, NY, 13440 2430
Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 6.28%
256 Hoosick St, Troy, NY, 12180
Vehicle Loan 4 Year Loan (2023 and Newer)
4.49%
4 Months
▼
APR4.49%
Term4 Months
Last UpdatedMay 20, 2026
Details
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
390 W Seneca St, Sherrill, NY, 13461
Vehicle Loan 2024 and newer
4.49%
49 - 60
▼
APR4.49%
Term49 - 60
Last UpdatedMay 22, 2026
Details
As Low As
Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
27 Seneca St, Geneva, NY, 14456 3502
New Auto (2025 & newer)
4.49%
63 Months
▼
APR4.49%
Term63 Months
Last UpdatedMay 22, 2026
Details
As Low As
Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
27 Seneca St, Geneva, NY, 14456 3502
Used Auto - 2024
4.49%
63 Months
▼
APR4.49%
Term63 Months
Last UpdatedMay 22, 2026
Details
As Low As
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.81%
423 E 23rd St, New York, NY, 10010 5011
New Vehicle - fixed rate
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
207 Genesee St, Utica, NY, 13501
Used Auto Loans - 3-6 years old
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedMay 22, 2026
Details
Grade / Score: A+ / 730+
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
4311 Middle Settlement Rd, New Hartford, NY, 13413
New Auto Loans (2023-2027)
4.49%
67 to 72
▼
APR4.49%
Term67 to 72
Last UpdatedMay 22, 2026
Details
As Low As
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
211 Wilkinson St, Syracuse, NY, 13204
Auto Loan
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As
TrailNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
1178 NYS Route 9N, Ticonderoga, NY, 12883 3106
Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As
Western Division Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
6750 MAIN ST, WILLIAMSVILLE, NY, 14221
Classic Vehicle Loan
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMay 30, 2026
Details
Cars & Trucks; Military; First Responder; Graduate & First-time Discounts
Western Division Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
6750 MAIN ST, WILLIAMSVILLE, NY, 14221
Vehicle Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 30, 2026
Details
Cars & Trucks; Military; First Responder; Graduate & First-time Discounts
SPECIAL METALS
Institution Rating:
A5.0 ★ Texas Ratio: 8.08%
4340 Middle Settlement Rd, New Hartford, NY, 13413 5316
Automobiles 2023 - 2026
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedJun 1, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
800 Poly Pl Rm 1110, Brooklyn, NY, 11209 7104
Auto Loans
4.49%
up to 36 months
▼
APR4.49%
Termup to 36 months
Last UpdatedJun 1, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
800 Poly Pl Rm 1110, Brooklyn, NY, 11209 7104
NEW or USED vehicles Loan
4.49%
up to 36
▼
APR4.49%
Termup to 36
Last UpdatedJun 1, 2026
Details
As Low As
MAMTA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
1000 W Boston Post Rd, Mamaroneck, NY, 10543 3328
New & Used Cars
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 17, 2026
Details
BUFFALO CONRAIL
Institution Rating:
B+4.7 ★ Texas Ratio: 1.06%
1481 Harlem Rd, Cheektowaga, NY, 14206
Auto Loans 2026 - 24
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 20, 2026
Details
Triboro Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
14202 20th Ave, Flushing, NY, 11351 3000
Used Car Loan
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 21, 2026
Details
16 - 17
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
2890 Transit Rd, Newfane, NY, 14108 9740
New/Used Auto
4.50%
84 Months
▼
APR4.50%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
132 Cayuga Rd, Cheektowaga, NY, 14225
New Auto / Truck
4.50%
73 - 84 months
▼
APR4.50%
Term73 - 84 months
Last UpdatedMay 22, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.61%
215 2nd Ave, New York, NY, 10003
New Car Loans
4.50%
Up to 5 years
▼
APR4.50%
TermUp to 5 years
Last UpdatedMay 22, 2026
Details
As Low As; 10% down payment
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
New & Used Autos
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.55%
927 Grant St, Buffalo, NY, 14207 2820
New Autos (2025-2026)
4.50%
66 Month
▼
APR4.50%
Term66 Month
Last UpdatedMay 29, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.55%
927 Grant St, Buffalo, NY, 14207 2820
Used Autos (2015-2025)
4.50%
54 Month
▼
APR4.50%
Term54 Month
Last UpdatedMay 29, 2026
Details
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
110 John Muir Dr, Amherst, NY, 14228 1148
Used Auto Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 29, 2026
Details
Beacon Score 725+
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
800 Park Ave, Utica, NY, 13501
New Automobile
4.50%
37-48
▼
APR4.50%
Term37-48
Last UpdatedJun 1, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
LaGuardia Airport Hangar 3 Room 122, Flushing, NY, 11371
Used Auto
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 60 months
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★ Texas Ratio: 4.12%
57 Lake Shore Dr W, Dunkirk, NY, 14048 1517
New Autos (2 Years and Newer)
4.60%
48 Months
▼
APR4.60%
Term48 Months
Last UpdatedJun 1, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
2885 Belgium Rd, Baldwinsville, NY, 13027 2706
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMay 18, 2026
Details
HIGH POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
1201 Wayne St, Olean, NY, 14760
Auto Loan 2022 - 2024
4.64%
60 Months
▼
APR4.64%
Term60 Months
Last UpdatedJun 1, 2026
Details
As Low As; 49-60 Months
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
290 Broadway Fl 10, New York, NY, 10007 1823
Vehicle Loan
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedMay 21, 2026
Details
As Low As
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY, 13209
New Auto - 2025-2027 up to 36 months
4.70%
36 months
▼
APR4.70%
Term36 months
Last UpdatedJun 3, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.21%
1916 Black River Blvd N, Rome, NY, 13440 2430
Auto Loan
4.74%
49-60
▼
APR4.74%
Term49-60
Last UpdatedMay 20, 2026
Details
As Low As
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 6.28%
256 Hoosick St, Troy, NY, 12180
Vehicle Loan 5 Year Loan (2023 and Newer)
4.74%
5 Months
▼
APR4.74%
Term5 Months
Last UpdatedMay 20, 2026
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 16.47%
165 W 46th St, New York, NY, 10036 2508
Auto Loans
4.74%
2-Year
▼
APR4.74%
Term2-Year
Last UpdatedMay 22, 2026
Details
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
1937 Union Rd, West Seneca, NY, 14224
New Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; For New Models 2026-2022
Fox Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
1211 Avenue of the Americas Fl 18, New York, NY, 10036
New Auto Loans
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Tonawanda Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.19%
10 Jefferson Square Ave, Batavia, NY, 14020
Vehicle Loan
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedMay 22, 2026
Details
As Low As
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
4311 Middle Settlement Rd, New Hartford, NY, 13413
Used Auto Loans (2019-2022)
4.74%
1 to 60
▼
APR4.74%
Term1 to 60
Last UpdatedMay 22, 2026
Details
As Low As
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
211 Wilkinson St, Syracuse, NY, 13204
Auto Loan
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
Western Division Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
6750 MAIN ST, WILLIAMSVILLE, NY, 14221
Vehicle Loan
4.74%
54 Months
▼
APR4.74%
Term54 Months
Last UpdatedMay 30, 2026
Details
Cars & Trucks; Military; First Responder; Graduate & First-time Discounts
HIGH POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
1201 Wayne St, Olean, NY, 14760
Auto Loan 2025 & newer
4.74%
75 Months
▼
APR4.74%
Term75 Months
Last UpdatedJun 1, 2026
Details
As Low As; 61-75 Months
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY, 13209
Used Auto - 2025-2027 up to 36 months
4.75%
up to 36 months
▼
APR4.75%
Termup to 36 months
Last UpdatedJun 3, 2026
Details
BUFFALO CONRAIL
Institution Rating:
B+4.7 ★ Texas Ratio: 1.06%
1481 Harlem Rd, Cheektowaga, NY, 14206
Auto Loans 2023 - 17
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 20, 2026
Details
Affinity One Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
545 E 2nd St, Jamestown, NY, 14701
Vehicle Loan
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
UFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
274 Rugar St, Plattsburgh, NY, 12901
New Auto
4.75%
0-35
▼
APR4.75%
Term0-35
Last UpdatedMay 22, 2026
Details
As Low As
UFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
274 Rugar St, Plattsburgh, NY, 12901
New Auto Loan
4.75%
0-35 Months
▼
APR4.75%
Term0-35 Months
Last UpdatedMay 22, 2026
Details
As Low As
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
127 Schwenk Dr, Kingston, NY, 12401
New Vehicles 1 - 36 Months B Loan
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMay 22, 2026
Details
Academic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.26%
425 N State Rd, Briarcliff Manor, NY, 10510 1469
New Cars Loan
4.75%
5 Months
▼
APR4.75%
Term5 Months
Last UpdatedMay 22, 2026
Details
As Low As
Academic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.26%
425 N State Rd, Briarcliff Manor, NY, 10510 1469
New Vehicles Loan
4.75%
Up to 84 Months
▼
APR4.75%
TermUp to 84 Months
Last UpdatedMay 22, 2026
Details
As Low As
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★ Texas Ratio: 34.49%
800 N SALINA ST STE 200, SYRACUSE, NY, 13208 2513
Auto Loans - Cars, Trucks, and SUVs
4.75%
Up to 24 Months
▼
APR4.75%
TermUp to 24 Months
Last UpdatedMay 22, 2026
Details
As Low As
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.55%
927 Grant St, Buffalo, NY, 14207 2820
Used Autos (2015-2025)
4.75%
60 Month
▼
APR4.75%
Term60 Month
Last UpdatedMay 29, 2026
Details
NORTH TOWNS
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
9145 Sheridan Dr, Clarence, NY, 14031
New and used Vehicle (Purchase or Refinance) - Model year 2011 or Newer
4.75%
3 Months
▼
APR4.75%
Term3 Months
Last UpdatedJun 1, 2026
Details
As Low As; as low as...
CANANDAIGUA
Institution Rating:
A+5.0 ★ Texas Ratio: 9.03%
3210 Eastern Blvd, Canandaigua, NY, 14424
New Auto Loan or new vehicles up to 5000 miles
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedJun 1, 2026
Details
As Low As
Williamsville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
656 N French Rd Ste 7, Amherst, NY, 14228 2104
Auto Loans - New 2025-2026 Maximum) *
4.80%
60 months
▼
APR4.80%
Term60 months
Last UpdatedMay 29, 2026
Details
$45,000
North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.89%
2488 State Route 11, Mooers, NY, 12958
New/Used Vehicles with Titles Loan
4.83%
2 years
▼
APR4.83%
Term2 years
Last UpdatedMay 30, 2026
Details
As Low As
HIGH POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
1201 Wayne St, Olean, NY, 14760
Auto Loan 2017 - 2021
4.84%
48 Months
▼
APR4.84%
Term48 Months
Last UpdatedJun 1, 2026
Details
As Low As; Up to 48 Months
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
290 Broadway Fl 10, New York, NY, 10007 1823
Vehicle Loan
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedMay 21, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
800 Poly Pl Rm 1110, Brooklyn, NY, 11209 7104
NEW or USED vehicles Loan
4.89%
37 - 48
▼
APR4.89%
Term37 - 48
Last UpdatedJun 1, 2026
Details
As Low As; w/ Auto Pay Discount
BUFFALO CONRAIL
Institution Rating:
B+4.7 ★ Texas Ratio: 1.06%
1481 Harlem Rd, Cheektowaga, NY, 14206
Auto Loans 2026 - 24
4.90%
84 Months
▼
APR4.90%
Term84 Months
Last UpdatedMay 20, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
100 MARINA DR, ROCHESTER, NY, 14626 5104
New Auto
4.90%
36 Months
▼
APR4.90%
Term36 Months
Last UpdatedMay 22, 2026
Details
Auto Payment
SUNY Fredonia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
280 CENTRAL AVE, FREDONIA, NY, 14063 1127
New Vehicle Loans
4.90%
6 Years
▼
APR4.90%
Term6 Years
Last UpdatedMay 22, 2026
Details
HIGH POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
1201 Wayne St, Olean, NY, 14760
Auto Loan 2022 - 2024
4.94%
75 Months
▼
APR4.94%
Term75 Months
Last UpdatedJun 1, 2026
Details
As Low As; 61-75 Months
Rochester & Monroe County Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.32%
460 N Goodman St, Rochester, NY, 14609 6135
Auto Loans
4.95%
48 Months
▼
APR4.95%
Term48 Months
Last UpdatedMay 17, 2026
Details
As Low As
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
100 MARINA DR, ROCHESTER, NY, 14626 5104
New Auto
4.95%
48 Months
▼
APR4.95%
Term48 Months
Last UpdatedMay 22, 2026
Details
Auto Payment
Williamsville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
656 N French Rd Ste 7, Amherst, NY, 14228 2104
Auto Loans - New 2025-2026 Maximum) *
4.95%
72 months
▼
APR4.95%
Term72 months
Last UpdatedMay 29, 2026
Details
$45,000
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY, 13209
New Auto - 2025-2027 37 - 66 months
4.97%
66 Months
▼
APR4.97%
Term66 Months
Last UpdatedJun 3, 2026
Details
Auburn Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
65 WRIGHT CIR, AUBURN, NY, 13021 3135
Auto Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 17, 2026
Details
As Low As
UGEFCU
Institution Rating:
A+5.0 ★ Texas Ratio: 5.36%
215 Old Campion Rd, New Hartford, NY, 13413 4953
New Vehicle
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As
UGEFCU
Institution Rating:
A+5.0 ★ Texas Ratio: 5.36%
215 Old Campion Rd, New Hartford, NY, 13413 4953
Used Vehicle
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 17, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
2885 Belgium Rd, Baldwinsville, NY, 13027 2706
Used Auto1
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMay 18, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
300 Crosspoint Pkwy, Getzville, NY, 14068 1606
Auto Loans
4.99%
0 - 75 Months
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMay 20, 2026
Details
As Low As; APR - 2023 - 2025*
AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.21%
1916 Black River Blvd N, Rome, NY, 13440 2430
Auto Loan
4.99%
61-72
▼
APR4.99%
Term61-72
Last UpdatedMay 20, 2026
Details
As Low As
Northern Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.51%
138 Factory St, Watertown, NY, 13601 1958
Auto Loan
4.99%
48-months
▼
APR4.99%
Term48-months
Last UpdatedMay 20, 2026
Details
As Low As
Northern Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.51%
138 Factory St, Watertown, NY, 13601 1958
Auto Loans
4.99%
48-months
▼
APR4.99%
Term48-months
Last UpdatedMay 20, 2026
Details
As Low As
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 6.28%
256 Hoosick St, Troy, NY, 12180
Vehicle Loan 6 Year Loan (2023 and Newer)
4.99%
6 Months
▼
APR4.99%
Term6 Months
Last UpdatedMay 20, 2026
Details
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
390 W Seneca St, Sherrill, NY, 13461
Vehicle Loan 2021-2023
4.99%
1 - 48
▼
APR4.99%
Term1 - 48
Last UpdatedMay 22, 2026
Details
As Low As
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
390 W Seneca St, Sherrill, NY, 13461
Vehicle Loan 2024 and newer
4.99%
61 - 72
▼
APR4.99%
Term61 - 72
Last UpdatedMay 22, 2026
Details
As Low As
Affinity One Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
545 E 2nd St, Jamestown, NY, 14701
Used Auto Loans
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedMay 22, 2026
Details
As Low As
Affinity One Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
545 E 2nd St, Jamestown, NY, 14701
Vehicle Loans
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedMay 22, 2026
Details
As Low As
Actors Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 16.47%
165 W 46th St, New York, NY, 10036 2508
Auto Loans
4.99%
3-Year
▼
APR4.99%
Term3-Year
Last UpdatedMay 22, 2026
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 16.47%
165 W 46th St, New York, NY, 10036 2508
Up To 3-Year Auto Loan
4.99%
3 Months
▼
APR4.99%
Term3 Months
Last UpdatedMay 22, 2026
Details
As Low As
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
1937 Union Rd, West Seneca, NY, 14224
Used Auto Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; For Used Models 2021-2017
Fox Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
1211 Avenue of the Americas Fl 18, New York, NY, 10036
New Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
27 Seneca St, Geneva, NY, 14456 3502
New Auto (2025 & newer)
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMay 22, 2026
Details
As Low As
Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
27 Seneca St, Geneva, NY, 14456 3502
Used Auto - 2024
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMay 22, 2026
Details
As Low As
Medisys Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
8900 VAN WYCK EXPY, JAMAICA, NY, 11418
New and Used Automobiles
4.99%
36 Months or Less
▼
APR4.99%
Term36 Months or Less
Last UpdatedMay 22, 2026
Details
As Low As
The Heart Center Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.89%
100 Port Washington Blvd, Roslyn, NY, 11576
Used Auto
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
4311 Middle Settlement Rd, New Hartford, NY, 13413
Used Auto Loans (2019-2022)
4.99%
24 to 60 months
▼
APR4.99%
Term24 to 60 months
Last UpdatedMay 22, 2026
Details
As Low As
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
3251 BROADWAY St, CHEEKTOWAGA, NY, 14227 1033
New automobile
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedMay 22, 2026
Details
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★ Texas Ratio: 34.49%
800 N SALINA ST STE 200, SYRACUSE, NY, 13208 2513
Auto Loans - Cars, Trucks, and SUVs
4.99%
37 to 48 Months
▼
APR4.99%
Term37 to 48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
211 Wilkinson St, Syracuse, NY, 13204
Auto Loan
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
120 Motor Pkwy, Hauppauge, NY, 11788 5152
Auto Loan Refinance
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
Greece Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
1795 English Rd, Rochester, NY, 14616
New Automobile Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 30, 2026
Details
As Low As; Max Term: up to 48 months, Max Amount: $65,000
IAM Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.38%
498 Fashion Ave Fl 2, New York, NY, 10018 6708
New Car Loans
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMay 30, 2026
Details
As Low As
IAM Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.38%
498 Fashion Ave Fl 2, New York, NY, 10018 6708
Used Car Loans
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMay 30, 2026
Details
As Low As
Western Division Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
6750 MAIN ST, WILLIAMSVILLE, NY, 14221
Vehicle Loan
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMay 30, 2026
Details
Cars & Trucks; Military; First Responder; Graduate & First-time Discounts
SPECIAL METALS
Institution Rating:
A5.0 ★ Texas Ratio: 8.08%
4340 Middle Settlement Rd, New Hartford, NY, 13413 5316
Automobiles 2020 - 2022
4.99%
12 Months
▼
APR4.99%
Term12 Months
Last UpdatedJun 1, 2026
Details
SPECIAL METALS
Institution Rating:
A5.0 ★ Texas Ratio: 8.08%
4340 Middle Settlement Rd, New Hartford, NY, 13413 5316
Automobiles 2023 - 2026
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedJun 1, 2026
Details
SPECIAL METALS
Institution Rating:
A5.0 ★ Texas Ratio: 8.08%
4340 Middle Settlement Rd, New Hartford, NY, 13413 5316
Used Automobiles
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedJun 1, 2026
Details
As Low As; 2020-2022 - 60 months
MOOG EMPLOYEES
Institution Rating:
A5.0 ★ Texas Ratio: 0.11%
7181 SENECA St, EAST AURORA, NY, 14052 0018
Used Auto Loans
4.99%
37-60
▼
APR4.99%
Term37-60
Last UpdatedJun 1, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
800 Poly Pl Rm 1110, Brooklyn, NY, 11209 7104
Auto Loans
4.99%
37 - 48 months
▼
APR4.99%
Term37 - 48 months
Last UpdatedJun 1, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
800 Poly Pl Rm 1110, Brooklyn, NY, 11209 7104
NEW or USED vehicles Loan
4.99%
37 - 48
▼
APR4.99%
Term37 - 48
Last UpdatedJun 1, 2026
Details
As Low As
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
112 State St, Albany, NY, 12207
Auto Loans: New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedJun 3, 2026
Details
BUFFALO CONRAIL
Institution Rating:
B+4.7 ★ Texas Ratio: 1.06%
1481 Harlem Rd, Cheektowaga, NY, 14206
Auto Loans 2016 - 13
5.00%
42 Months
▼
APR5.00%
Term42 Months
Last UpdatedMay 20, 2026
Details
Adirondack Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
280 Park St, Tupper Lake, NY, 12986 1909
New Vehicles Loan
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
SUMA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
125 Corporate Blvd, Yonkers, NY, 10701
Used Auto Loans 90% Financing 2 Year
5.00%
2 Months
▼
APR5.00%
Term2 Months
Last UpdatedMay 22, 2026
Details
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.20%
1321 Pittsford Mendon Rd, Mendon, NY, 14506 9733
New & Used Auto Loan
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMay 22, 2026
Details
TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
494 E Main St, Malone, NY, 12953 2100
New Auto
5.00%
0-35 Months
▼
APR5.00%
Term0-35 Months
Last UpdatedMay 22, 2026
Details
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
127 Schwenk Dr, Kingston, NY, 12401
New Vehicles 37 - 60 Months A Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 22, 2026
Details
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
3251 BROADWAY St, CHEEKTOWAGA, NY, 14227 1033
Used automobile 2020 and older
5.00%
60 months
▼
APR5.00%
Term60 months
Last UpdatedMay 22, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.55%
927 Grant St, Buffalo, NY, 14207 2820
New Autos (2025-2026)
5.00%
72 Month
▼
APR5.00%
Term72 Month
Last UpdatedMay 29, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.55%
927 Grant St, Buffalo, NY, 14207 2820
Used Autos (2015-2025)
5.00%
66 Month
▼
APR5.00%
Term66 Month
Last UpdatedMay 29, 2026
Details
ALCO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New auto loans
5.00%
72 months
▼
APR5.00%
Term72 months
Last UpdatedJun 1, 2026
Details
ALCO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
2859 Lindy Ln, Wellsville, NY, 14895 9337
Used auto loans
5.00%
24 months
▼
APR5.00%
Term24 months
Last UpdatedJun 1, 2026
Details
NORTH TOWNS
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
9145 Sheridan Dr, Clarence, NY, 14031
New and used Vehicle (Purchase or Refinance) - Model year 2011 or Newer
5.00%
4 Months
▼
APR5.00%
Term4 Months
Last UpdatedJun 1, 2026
Details
As Low As; as low as...
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY, 13209
Used Auto - 2025-2027 37 - 66 months
5.07%
66 Months
▼
APR5.07%
Term66 Months
Last UpdatedJun 3, 2026
Details
BUFFALO CONRAIL
Institution Rating:
B+4.7 ★ Texas Ratio: 1.06%
1481 Harlem Rd, Cheektowaga, NY, 14206
Auto Loans 2023 - 17
5.10%
72 Months
▼
APR5.10%
Term72 Months
Last UpdatedMay 20, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.89%
2488 State Route 11, Mooers, NY, 12958
New/Used Vehicles with Titles Loan
5.13%
3 years
▼
APR5.13%
Term3 years
Last UpdatedMay 30, 2026
Details
As Low As
Nassau Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
736 Franklin Ave, Garden City, NY, 11530
New Auto (up to 90 % LTV)
5.14%
60 Months
▼
APR5.14%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
2885 Belgium Rd, Baldwinsville, NY, 13027 2706
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedMay 18, 2026
Details
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.81%
423 E 23rd St, New York, NY, 10010 5011
Used Vehicle - fixed rate
5.14%
36 Months
▼
APR5.14%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
100 MARINA DR, ROCHESTER, NY, 14626 5104
New Auto
5.15%
36 Months
▼
APR5.15%
Term36 Months
Last UpdatedMay 22, 2026
Details
Billing
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★ Texas Ratio: 4.12%
57 Lake Shore Dr W, Dunkirk, NY, 14048 1517
Used Autos (3 Years and Older)
5.15%
36 Months
▼
APR5.15%
Term36 Months
Last UpdatedJun 1, 2026
Details
As Low As
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY, 13209
New Auto - 2025-2027 67 - 72 months
5.17%
72 Months
▼
APR5.17%
Term72 Months
Last UpdatedJun 3, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.89%
2488 State Route 11, Mooers, NY, 12958
New/Used Vehicles with Titles Loan
5.18%
5 years
▼
APR5.18%
Term5 years
Last UpdatedMay 30, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
290 Broadway Fl 10, New York, NY, 10007 1823
Vehicle Loan
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedMay 21, 2026
Details
As Low As
O&R Utilities Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
14 Talmadge Ct, Monroe, NY, 10950 1526
New Autos
5.19%
60 Months
▼
APR5.19%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
CHEN DEL O
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
114 MAIN ST, FRANKLIN, NY, 13775
Vehicle Loan 2025 - New
5.19%
24 Months
▼
APR5.19%
Term24 Months
Last UpdatedJun 1, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
100 MARINA DR, ROCHESTER, NY, 14626 5104
New Auto
5.20%
48 Months
▼
APR5.20%
Term48 Months
Last UpdatedMay 22, 2026
Details
Billing
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
100 MARINA DR, ROCHESTER, NY, 14626 5104
Used Auto (2018 & newer)
5.20%
36 Months
▼
APR5.20%
Term36 Months
Last UpdatedMay 22, 2026
Details
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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: 0.75%
14202 20th Ave, Flushing, NY, 11351 3000
New Car Loan
2.25%
36 Months
▼
APR2.25%
Term36 Months
Last UpdatedMay 21, 2026
Details
20 - 21
Financial Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
3333 Harlem Rd, Cheektowaga, NY, 14225
New Auto Loan
3.29%
12 Months
▼
APR3.29%
Term12 Months
Last UpdatedMay 29, 2026
Details
From 12 to 60 Months
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
LaGuardia Airport Hangar 3 Room 122, Flushing, NY, 11371
New Auto
3.34%
36 Months
▼
APR3.34%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 36 Months
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
3251 BROADWAY St, CHEEKTOWAGA, NY, 14227 1033
New automobile
3.49%
36 months
▼
APR3.49%
Term36 months
Last UpdatedMay 22, 2026
Details
MAMTA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
1000 W Boston Post Rd, Mamaroneck, NY, 10543 3328
New & Used Cars
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 17, 2026
Details
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
132 Cayuga Rd, Cheektowaga, NY, 14225
New Auto / Truck
3.50%
60 months
▼
APR3.50%
Term60 months
Last UpdatedMay 22, 2026
Details
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
New & Used Autos
3.50%
24 Months
▼
APR3.50%
Term24 Months
Last UpdatedMay 22, 2026
Details
As Low As
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.55%
927 Grant St, Buffalo, NY, 14207 2820
New Autos (2025-2026)
3.50%
36 Month
▼
APR3.50%
Term36 Month
Last UpdatedMay 29, 2026
Details
Up To 100% Financing
ALCO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New auto loans
3.50%
24 months
▼
APR3.50%
Term24 months
Last UpdatedJun 1, 2026
Details
NIAGARAS CHOICE
Institution Rating:
A+5.0 ★ Texas Ratio: 2.37%
3619 Packard Rd, Niagara Falls, NY, 14303 2224
New Auto (2024 or newer)
3.70%
24 to 84
▼
APR3.70%
Term24 to 84
Last UpdatedJun 1, 2026
Details
As Low As; Rate includes auto-pay discount of .25%
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.55%
927 Grant St, Buffalo, NY, 14207 2820
New Autos (2025-2026)
3.75%
48 Month
▼
APR3.75%
Term48 Month
Last UpdatedMay 29, 2026
Details
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
2890 Transit Rd, Newfane, NY, 14108 9740
New/Used Auto
3.90%
36 Months
▼
APR3.90%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
Division 726 Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 24.45%
4886 ARTHUR KILL RD, STATEN ISLAND, NY, 10309
New Auto (Up to 72 Months)
3.95%
72 Months
▼
APR3.95%
Term72 Months
Last UpdatedMay 22, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
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 UpdatedMay 17, 2026
Details
As Low As
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 6.28%
256 Hoosick St, Troy, NY, 12180
Vehicle Loan 2 Year Loan (2023 and Newer)
3.99%
2 Months
▼
APR3.99%
Term2 Months
Last UpdatedMay 20, 2026
Details
Niagara Wheatfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
2346 SAUNDERS SETTLEMENT RD, SANBORN, NY, 14132
New & Used Vehicles up to 36 months Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 22, 2026
Details
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
1937 Union Rd, West Seneca, NY, 14224
New Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; For New Models 2026-2022
Medisys Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
8900 VAN WYCK EXPY, JAMAICA, NY, 11418
New Automobile Loans
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
4311 Middle Settlement Rd, New Hartford, NY, 13413
New Auto Loans (2023-2027)
3.99%
1 to 60
▼
APR3.99%
Term1 to 60
Last UpdatedMay 22, 2026
Details
As Low As
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
3251 BROADWAY St, CHEEKTOWAGA, NY, 14227 1033
New automobile
3.99%
60 months
▼
APR3.99%
Term60 months
Last UpdatedMay 22, 2026
Details
MOOG EMPLOYEES
Institution Rating:
A5.0 ★ Texas Ratio: 0.11%
7181 SENECA St, EAST AURORA, NY, 14052 0018
New Auto Loans
3.99%
12-60
▼
APR3.99%
Term12-60
Last UpdatedJun 1, 2026
Details
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
132 Cayuga Rd, Cheektowaga, NY, 14225
New Auto / Truck
4.00%
61 - 72 months
▼
APR4.00%
Term61 - 72 months
Last UpdatedMay 22, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.55%
927 Grant St, Buffalo, NY, 14207 2820
New Autos (2025-2026)
4.00%
54 Month
▼
APR4.00%
Term54 Month
Last UpdatedMay 29, 2026
Details
ALCO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New auto loans
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedJun 1, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
LaGuardia Airport Hangar 3 Room 122, Flushing, NY, 11371
New Auto
4.09%
60 Months
▼
APR4.09%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 60 months
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
2890 Transit Rd, Newfane, NY, 14108 9740
New/Used Auto
4.10%
60 Months
▼
APR4.10%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.81%
423 E 23rd St, New York, NY, 10010 5011
New Vehicle - fixed rate
4.14%
36 Months
▼
APR4.14%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★ Texas Ratio: 4.12%
57 Lake Shore Dr W, Dunkirk, NY, 14048 1517
New Autos (2 Years and Newer)
4.15%
36 Months
▼
APR4.15%
Term36 Months
Last UpdatedJun 1, 2026
Details
As Low As
ALCO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New auto loans
4.15%
48 months
▼
APR4.15%
Term48 months
Last UpdatedJun 1, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
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 UpdatedMay 17, 2026
Details
As Low As
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 6.28%
256 Hoosick St, Troy, NY, 12180
Vehicle Loan 3 Year Loan (2023 and Newer)
4.24%
3 Months
▼
APR4.24%
Term3 Months
Last UpdatedMay 20, 2026
Details
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
390 W Seneca St, Sherrill, NY, 13461
Vehicle Loan 2024 and newer
4.24%
1 - 48
▼
APR4.24%
Term1 - 48
Last UpdatedMay 22, 2026
Details
As Low As
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
1937 Union Rd, West Seneca, NY, 14224
New Auto Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As; For New Models 2026-2022
Fox Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
1211 Avenue of the Americas Fl 18, New York, NY, 10036
New Auto Loans
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; 100% financing of purchase price, tax and license
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.81%
423 E 23rd St, New York, NY, 10010 5011
New Vehicle - fixed rate
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
4311 Middle Settlement Rd, New Hartford, NY, 13413
New Auto Loans (2023-2027)
4.24%
61 to 66
▼
APR4.24%
Term61 to 66
Last UpdatedMay 22, 2026
Details
As Low As
SPECIAL METALS
Institution Rating:
A5.0 ★ Texas Ratio: 8.08%
4340 Middle Settlement Rd, New Hartford, NY, 13413 5316
New Automobiles
4.24%
60 Months
▼
APR4.24%
Term60 Months
Last UpdatedJun 1, 2026
Details
As Low As; 2023 - 2026 - 60 months
HIGH POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
1201 Wayne St, Olean, NY, 14760
Auto Loan 2025 & newer
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedJun 1, 2026
Details
As Low As; Up to 48 Months
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
127 Schwenk Dr, Kingston, NY, 12401
New Vehicles 1 - 36 Months A Loan
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 22, 2026
Details
The Heart Center Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.89%
100 Port Washington Blvd, Roslyn, NY, 11576
New Auto
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.55%
927 Grant St, Buffalo, NY, 14207 2820
New Autos (2025-2026)
4.25%
60 Month
▼
APR4.25%
Term60 Month
Last UpdatedMay 29, 2026
Details
ALCO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New auto loans
4.25%
60 months
▼
APR4.25%
Term60 months
Last UpdatedJun 1, 2026
Details
NORTH TOWNS
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
9145 Sheridan Dr, Clarence, NY, 14031
New and used Vehicle (Purchase or Refinance) - Model year 2011 or Newer
4.25%
2 Months
▼
APR4.25%
Term2 Months
Last UpdatedJun 1, 2026
Details
As Low As; as low as...
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
800 Park Ave, Utica, NY, 13501
New Automobile
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedJun 1, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
800 Poly Pl Rm 1110, Brooklyn, NY, 11209 7104
NEW or USED vehicles Loan
4.39%
up to 36
▼
APR4.39%
Termup to 36
Last UpdatedJun 1, 2026
Details
As Low As; w/ Auto Pay Discount
HIGH POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
1201 Wayne St, Olean, NY, 14760
Auto Loan 2025 & newer
4.44%
60 Months
▼
APR4.44%
Term60 Months
Last UpdatedJun 1, 2026
Details
As Low As; 49-60 Months
UGEFCU
Institution Rating:
A+5.0 ★ Texas Ratio: 5.36%
215 Old Campion Rd, New Hartford, NY, 13413 4953
New Vehicle
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 17, 2026
Details
As Low As
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
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 UpdatedMay 17, 2026
Details
As Low As
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 6.28%
256 Hoosick St, Troy, NY, 12180
Vehicle Loan 4 Year Loan (2023 and Newer)
4.49%
4 Months
▼
APR4.49%
Term4 Months
Last UpdatedMay 20, 2026
Details
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
390 W Seneca St, Sherrill, NY, 13461
Vehicle Loan 2024 and newer
4.49%
49 - 60
▼
APR4.49%
Term49 - 60
Last UpdatedMay 22, 2026
Details
As Low As
Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
27 Seneca St, Geneva, NY, 14456 3502
New Auto (2025 & newer)
4.49%
63 Months
▼
APR4.49%
Term63 Months
Last UpdatedMay 22, 2026
Details
As Low As
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.81%
423 E 23rd St, New York, NY, 10010 5011
New Vehicle - fixed rate
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
4311 Middle Settlement Rd, New Hartford, NY, 13413
New Auto Loans (2023-2027)
4.49%
67 to 72
▼
APR4.49%
Term67 to 72
Last UpdatedMay 22, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
800 Poly Pl Rm 1110, Brooklyn, NY, 11209 7104
NEW or USED vehicles Loan
4.49%
up to 36
▼
APR4.49%
Termup to 36
Last UpdatedJun 1, 2026
Details
As Low As
MAMTA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
1000 W Boston Post Rd, Mamaroneck, NY, 10543 3328
New & Used Cars
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 17, 2026
Details
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
2890 Transit Rd, Newfane, NY, 14108 9740
New/Used Auto
4.50%
84 Months
▼
APR4.50%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
132 Cayuga Rd, Cheektowaga, NY, 14225
New Auto / Truck
4.50%
73 - 84 months
▼
APR4.50%
Term73 - 84 months
Last UpdatedMay 22, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.61%
215 2nd Ave, New York, NY, 10003
New Car Loans
4.50%
Up to 5 years
▼
APR4.50%
TermUp to 5 years
Last UpdatedMay 22, 2026
Details
As Low As; 10% down payment
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
New & Used Autos
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.55%
927 Grant St, Buffalo, NY, 14207 2820
New Autos (2025-2026)
4.50%
66 Month
▼
APR4.50%
Term66 Month
Last UpdatedMay 29, 2026
Details
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
800 Park Ave, Utica, NY, 13501
New Automobile
4.50%
37-48
▼
APR4.50%
Term37-48
Last UpdatedJun 1, 2026
Details
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★ Texas Ratio: 4.12%
57 Lake Shore Dr W, Dunkirk, NY, 14048 1517
New Autos (2 Years and Newer)
4.60%
48 Months
▼
APR4.60%
Term48 Months
Last UpdatedJun 1, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
2885 Belgium Rd, Baldwinsville, NY, 13027 2706
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMay 18, 2026
Details
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY, 13209
New Auto - 2025-2027 up to 36 months
4.70%
36 months
▼
APR4.70%
Term36 months
Last UpdatedJun 3, 2026
Details
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 6.28%
256 Hoosick St, Troy, NY, 12180
Vehicle Loan 5 Year Loan (2023 and Newer)
4.74%
5 Months
▼
APR4.74%
Term5 Months
Last UpdatedMay 20, 2026
Details
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
1937 Union Rd, West Seneca, NY, 14224
New Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; For New Models 2026-2022
Fox Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
1211 Avenue of the Americas Fl 18, New York, NY, 10036
New Auto Loans
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
HIGH POINT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
1201 Wayne St, Olean, NY, 14760
Auto Loan 2025 & newer
4.74%
75 Months
▼
APR4.74%
Term75 Months
Last UpdatedJun 1, 2026
Details
As Low As; 61-75 Months
UFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
274 Rugar St, Plattsburgh, NY, 12901
New Auto
4.75%
0-35
▼
APR4.75%
Term0-35
Last UpdatedMay 22, 2026
Details
As Low As
UFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
274 Rugar St, Plattsburgh, NY, 12901
New Auto Loan
4.75%
0-35 Months
▼
APR4.75%
Term0-35 Months
Last UpdatedMay 22, 2026
Details
As Low As
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
127 Schwenk Dr, Kingston, NY, 12401
New Vehicles 1 - 36 Months B Loan
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMay 22, 2026
Details
Academic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.26%
425 N State Rd, Briarcliff Manor, NY, 10510 1469
New Cars Loan
4.75%
5 Months
▼
APR4.75%
Term5 Months
Last UpdatedMay 22, 2026
Details
As Low As
Academic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.26%
425 N State Rd, Briarcliff Manor, NY, 10510 1469
New Vehicles Loan
4.75%
Up to 84 Months
▼
APR4.75%
TermUp to 84 Months
Last UpdatedMay 22, 2026
Details
As Low As
NORTH TOWNS
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
9145 Sheridan Dr, Clarence, NY, 14031
New and used Vehicle (Purchase or Refinance) - Model year 2011 or Newer
4.75%
3 Months
▼
APR4.75%
Term3 Months
Last UpdatedJun 1, 2026
Details
As Low As; as low as...
CANANDAIGUA
Institution Rating:
A+5.0 ★ Texas Ratio: 9.03%
3210 Eastern Blvd, Canandaigua, NY, 14424
New Auto Loan or new vehicles up to 5000 miles
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedJun 1, 2026
Details
As Low As
Williamsville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
656 N French Rd Ste 7, Amherst, NY, 14228 2104
Auto Loans - New 2025-2026 Maximum) *
4.80%
60 months
▼
APR4.80%
Term60 months
Last UpdatedMay 29, 2026
Details
$45,000
North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.89%
2488 State Route 11, Mooers, NY, 12958
New/Used Vehicles with Titles Loan
4.83%
2 years
▼
APR4.83%
Term2 years
Last UpdatedMay 30, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
800 Poly Pl Rm 1110, Brooklyn, NY, 11209 7104
NEW or USED vehicles Loan
4.89%
37 - 48
▼
APR4.89%
Term37 - 48
Last UpdatedJun 1, 2026
Details
As Low As; w/ Auto Pay Discount
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
100 MARINA DR, ROCHESTER, NY, 14626 5104
New Auto
4.90%
36 Months
▼
APR4.90%
Term36 Months
Last UpdatedMay 22, 2026
Details
Auto Payment
SUNY Fredonia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
280 CENTRAL AVE, FREDONIA, NY, 14063 1127
New Vehicle Loans
4.90%
6 Years
▼
APR4.90%
Term6 Years
Last UpdatedMay 22, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
100 MARINA DR, ROCHESTER, NY, 14626 5104
New Auto
4.95%
48 Months
▼
APR4.95%
Term48 Months
Last UpdatedMay 22, 2026
Details
Auto Payment
Williamsville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
656 N French Rd Ste 7, Amherst, NY, 14228 2104
Auto Loans - New 2025-2026 Maximum) *
4.95%
72 months
▼
APR4.95%
Term72 months
Last UpdatedMay 29, 2026
Details
$45,000
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY, 13209
New Auto - 2025-2027 37 - 66 months
4.97%
66 Months
▼
APR4.97%
Term66 Months
Last UpdatedJun 3, 2026
Details
UGEFCU
Institution Rating:
A+5.0 ★ Texas Ratio: 5.36%
215 Old Campion Rd, New Hartford, NY, 13413 4953
New Vehicle
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 6.28%
256 Hoosick St, Troy, NY, 12180
Vehicle Loan 6 Year Loan (2023 and Newer)
4.99%
6 Months
▼
APR4.99%
Term6 Months
Last UpdatedMay 20, 2026
Details
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
390 W Seneca St, Sherrill, NY, 13461
Vehicle Loan 2024 and newer
4.99%
61 - 72
▼
APR4.99%
Term61 - 72
Last UpdatedMay 22, 2026
Details
As Low As
Fox Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.03%
1211 Avenue of the Americas Fl 18, New York, NY, 10036
New Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
27 Seneca St, Geneva, NY, 14456 3502
New Auto (2025 & newer)
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMay 22, 2026
Details
As Low As
Medisys Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
8900 VAN WYCK EXPY, JAMAICA, NY, 11418
New and Used Automobiles
4.99%
36 Months or Less
▼
APR4.99%
Term36 Months or Less
Last UpdatedMay 22, 2026
Details
As Low As
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
3251 BROADWAY St, CHEEKTOWAGA, NY, 14227 1033
New automobile
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedMay 22, 2026
Details
Greece Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
1795 English Rd, Rochester, NY, 14616
New Automobile Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 30, 2026
Details
As Low As; Max Term: up to 48 months, Max Amount: $65,000
IAM Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.38%
498 Fashion Ave Fl 2, New York, NY, 10018 6708
New Car Loans
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMay 30, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
800 Poly Pl Rm 1110, Brooklyn, NY, 11209 7104
NEW or USED vehicles Loan
4.99%
37 - 48
▼
APR4.99%
Term37 - 48
Last UpdatedJun 1, 2026
Details
As Low As
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
112 State St, Albany, NY, 12207
Auto Loans: New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedJun 3, 2026
Details
Adirondack Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
280 Park St, Tupper Lake, NY, 12986 1909
New Vehicles Loan
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.20%
1321 Pittsford Mendon Rd, Mendon, NY, 14506 9733
New & Used Auto Loan
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMay 22, 2026
Details
TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
494 E Main St, Malone, NY, 12953 2100
New Auto
5.00%
0-35 Months
▼
APR5.00%
Term0-35 Months
Last UpdatedMay 22, 2026
Details
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
127 Schwenk Dr, Kingston, NY, 12401
New Vehicles 37 - 60 Months A Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 22, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.55%
927 Grant St, Buffalo, NY, 14207 2820
New Autos (2025-2026)
5.00%
72 Month
▼
APR5.00%
Term72 Month
Last UpdatedMay 29, 2026
Details
ALCO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
2859 Lindy Ln, Wellsville, NY, 14895 9337
New auto loans
5.00%
72 months
▼
APR5.00%
Term72 months
Last UpdatedJun 1, 2026
Details
NORTH TOWNS
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
9145 Sheridan Dr, Clarence, NY, 14031
New and used Vehicle (Purchase or Refinance) - Model year 2011 or Newer
5.00%
4 Months
▼
APR5.00%
Term4 Months
Last UpdatedJun 1, 2026
Details
As Low As; as low as...
North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.89%
2488 State Route 11, Mooers, NY, 12958
New/Used Vehicles with Titles Loan
5.13%
3 years
▼
APR5.13%
Term3 years
Last UpdatedMay 30, 2026
Details
As Low As
Nassau Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
736 Franklin Ave, Garden City, NY, 11530
New Auto (up to 90 % LTV)
5.14%
60 Months
▼
APR5.14%
Term60 Months
Last UpdatedMay 17, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
2885 Belgium Rd, Baldwinsville, NY, 13027 2706
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedMay 18, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
100 MARINA DR, ROCHESTER, NY, 14626 5104
New Auto
5.15%
36 Months
▼
APR5.15%
Term36 Months
Last UpdatedMay 22, 2026
Details
Billing
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY, 13209
New Auto - 2025-2027 67 - 72 months
5.17%
72 Months
▼
APR5.17%
Term72 Months
Last UpdatedJun 3, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.89%
2488 State Route 11, Mooers, NY, 12958
New/Used Vehicles with Titles Loan
5.18%
5 years
▼
APR5.18%
Term5 years
Last UpdatedMay 30, 2026
Details
As Low As
O&R Utilities Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
14 Talmadge Ct, Monroe, NY, 10950 1526
New Autos
5.19%
60 Months
▼
APR5.19%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
CHEN DEL O
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
114 MAIN ST, FRANKLIN, NY, 13775
Vehicle Loan 2025 - New
5.19%
24 Months
▼
APR5.19%
Term24 Months
Last UpdatedJun 1, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
100 MARINA DR, ROCHESTER, NY, 14626 5104
New Auto
5.20%
48 Months
▼
APR5.20%
Term48 Months
Last UpdatedMay 22, 2026
Details
Billing
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
100 MARINA DR, ROCHESTER, NY, 14626 5104
Used Auto (2018 & newer)
5.20%
36 Months
▼
APR5.20%
Term36 Months
Last UpdatedMay 22, 2026
Details
Auto Payment
Powered by
MonitorBankRates
New York Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
MAMTA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
1000 W Boston Post Rd, Mamaroneck, NY, 10543 3328
New & Used Cars
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 17, 2026
Details
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
New & Used Autos
3.50%
24 Months
▼
APR3.50%
Term24 Months
Last UpdatedMay 22, 2026
Details
As Low As
NIAGARAS CHOICE
Institution Rating:
A+5.0 ★ Texas Ratio: 2.37%
3619 Packard Rd, Niagara Falls, NY, 14303 2224
Used Auto (2019-2023)
3.70%
24 to 72
▼
APR3.70%
Term24 to 72
Last UpdatedJun 1, 2026
Details
As Low As; Rate includes auto-pay discount of .25%
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
LaGuardia Airport Hangar 3 Room 122, Flushing, NY, 11371
Used Auto
3.84%
36 Months
▼
APR3.84%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 36 Months
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
2890 Transit Rd, Newfane, NY, 14108 9740
New/Used Auto
3.90%
36 Months
▼
APR3.90%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
Triboro Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
14202 20th Ave, Flushing, NY, 11351 3000
Used Car Loan
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 21, 2026
Details
18 - 19
Niagara Wheatfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
2346 SAUNDERS SETTLEMENT RD, SANBORN, NY, 14132
New & Used Vehicles up to 36 months Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 22, 2026
Details
Medisys Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
8900 VAN WYCK EXPY, JAMAICA, NY, 11418
Used Automobile Loans
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
3251 BROADWAY St, CHEEKTOWAGA, NY, 14227 1033
Used automobile 2021 - 2026
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedMay 22, 2026
Details
MOOG EMPLOYEES
Institution Rating:
A5.0 ★ Texas Ratio: 0.11%
7181 SENECA St, EAST AURORA, NY, 14052 0018
Used Auto Loans
3.99%
12-24
▼
APR3.99%
Term12-24
Last UpdatedJun 1, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.55%
927 Grant St, Buffalo, NY, 14207 2820
Used Autos (2015-2025)
4.00%
36 Month
▼
APR4.00%
Term36 Month
Last UpdatedMay 29, 2026
Details
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
2890 Transit Rd, Newfane, NY, 14108 9740
New/Used Auto
4.10%
60 Months
▼
APR4.10%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.55%
927 Grant St, Buffalo, NY, 14207 2820
Used Autos (2015-2025)
4.25%
48 Month
▼
APR4.25%
Term48 Month
Last UpdatedMay 29, 2026
Details
NORTH TOWNS
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
9145 Sheridan Dr, Clarence, NY, 14031
New and used Vehicle (Purchase or Refinance) - Model year 2011 or Newer
4.25%
2 Months
▼
APR4.25%
Term2 Months
Last UpdatedJun 1, 2026
Details
As Low As; as low as...
MOOG EMPLOYEES
Institution Rating:
A5.0 ★ Texas Ratio: 0.11%
7181 SENECA St, EAST AURORA, NY, 14052 0018
Used Auto Loans
4.25%
25-36
▼
APR4.25%
Term25-36
Last UpdatedJun 1, 2026
Details
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
3251 BROADWAY St, CHEEKTOWAGA, NY, 14227 1033
Used automobile 2021 - 2026
4.29%
72 months
▼
APR4.29%
Term72 months
Last UpdatedMay 22, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
800 Poly Pl Rm 1110, Brooklyn, NY, 11209 7104
NEW or USED vehicles Loan
4.39%
up to 36
▼
APR4.39%
Termup to 36
Last UpdatedJun 1, 2026
Details
As Low As; w/ Auto Pay Discount
Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
27 Seneca St, Geneva, NY, 14456 3502
Used Auto - 2024
4.49%
63 Months
▼
APR4.49%
Term63 Months
Last UpdatedMay 22, 2026
Details
As Low As
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
207 Genesee St, Utica, NY, 13501
Used Auto Loans - 3-6 years old
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedMay 22, 2026
Details
Grade / Score: A+ / 730+
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
800 Poly Pl Rm 1110, Brooklyn, NY, 11209 7104
NEW or USED vehicles Loan
4.49%
up to 36
▼
APR4.49%
Termup to 36
Last UpdatedJun 1, 2026
Details
As Low As
MAMTA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
1000 W Boston Post Rd, Mamaroneck, NY, 10543 3328
New & Used Cars
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 17, 2026
Details
Triboro Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
14202 20th Ave, Flushing, NY, 11351 3000
Used Car Loan
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 21, 2026
Details
16 - 17
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
2890 Transit Rd, Newfane, NY, 14108 9740
New/Used Auto
4.50%
84 Months
▼
APR4.50%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
New & Used Autos
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.55%
927 Grant St, Buffalo, NY, 14207 2820
Used Autos (2015-2025)
4.50%
54 Month
▼
APR4.50%
Term54 Month
Last UpdatedMay 29, 2026
Details
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
110 John Muir Dr, Amherst, NY, 14228 1148
Used Auto Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 29, 2026
Details
Beacon Score 725+
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
LaGuardia Airport Hangar 3 Room 122, Flushing, NY, 11371
Used Auto
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 60 months
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
4311 Middle Settlement Rd, New Hartford, NY, 13413
Used Auto Loans (2019-2022)
4.74%
1 to 60
▼
APR4.74%
Term1 to 60
Last UpdatedMay 22, 2026
Details
As Low As
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY, 13209
Used Auto - 2025-2027 up to 36 months
4.75%
up to 36 months
▼
APR4.75%
Termup to 36 months
Last UpdatedJun 3, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.55%
927 Grant St, Buffalo, NY, 14207 2820
Used Autos (2015-2025)
4.75%
60 Month
▼
APR4.75%
Term60 Month
Last UpdatedMay 29, 2026
Details
NORTH TOWNS
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
9145 Sheridan Dr, Clarence, NY, 14031
New and used Vehicle (Purchase or Refinance) - Model year 2011 or Newer
4.75%
3 Months
▼
APR4.75%
Term3 Months
Last UpdatedJun 1, 2026
Details
As Low As; as low as...
North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.89%
2488 State Route 11, Mooers, NY, 12958
New/Used Vehicles with Titles Loan
4.83%
2 years
▼
APR4.83%
Term2 years
Last UpdatedMay 30, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
800 Poly Pl Rm 1110, Brooklyn, NY, 11209 7104
NEW or USED vehicles Loan
4.89%
37 - 48
▼
APR4.89%
Term37 - 48
Last UpdatedJun 1, 2026
Details
As Low As; w/ Auto Pay Discount
UGEFCU
Institution Rating:
A+5.0 ★ Texas Ratio: 5.36%
215 Old Campion Rd, New Hartford, NY, 13413 4953
Used Vehicle
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 17, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
2885 Belgium Rd, Baldwinsville, NY, 13027 2706
Used Auto1
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMay 18, 2026
Details
Affinity One Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
545 E 2nd St, Jamestown, NY, 14701
Used Auto Loans
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedMay 22, 2026
Details
As Low As
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
1937 Union Rd, West Seneca, NY, 14224
Used Auto Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; For Used Models 2021-2017
Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
27 Seneca St, Geneva, NY, 14456 3502
Used Auto - 2024
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMay 22, 2026
Details
As Low As
Medisys Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
8900 VAN WYCK EXPY, JAMAICA, NY, 11418
New and Used Automobiles
4.99%
36 Months or Less
▼
APR4.99%
Term36 Months or Less
Last UpdatedMay 22, 2026
Details
As Low As
The Heart Center Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.89%
100 Port Washington Blvd, Roslyn, NY, 11576
Used Auto
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
4311 Middle Settlement Rd, New Hartford, NY, 13413
Used Auto Loans (2019-2022)
4.99%
24 to 60 months
▼
APR4.99%
Term24 to 60 months
Last UpdatedMay 22, 2026
Details
As Low As
IAM Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.38%
498 Fashion Ave Fl 2, New York, NY, 10018 6708
Used Car Loans
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMay 30, 2026
Details
As Low As
SPECIAL METALS
Institution Rating:
A5.0 ★ Texas Ratio: 8.08%
4340 Middle Settlement Rd, New Hartford, NY, 13413 5316
Used Automobiles
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedJun 1, 2026
Details
As Low As; 2020-2022 - 60 months
MOOG EMPLOYEES
Institution Rating:
A5.0 ★ Texas Ratio: 0.11%
7181 SENECA St, EAST AURORA, NY, 14052 0018
Used Auto Loans
4.99%
37-60
▼
APR4.99%
Term37-60
Last UpdatedJun 1, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
800 Poly Pl Rm 1110, Brooklyn, NY, 11209 7104
NEW or USED vehicles Loan
4.99%
37 - 48
▼
APR4.99%
Term37 - 48
Last UpdatedJun 1, 2026
Details
As Low As
SUMA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
125 Corporate Blvd, Yonkers, NY, 10701
Used Auto Loans 90% Financing 2 Year
5.00%
2 Months
▼
APR5.00%
Term2 Months
Last UpdatedMay 22, 2026
Details
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.20%
1321 Pittsford Mendon Rd, Mendon, NY, 14506 9733
New & Used Auto Loan
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMay 22, 2026
Details
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
3251 BROADWAY St, CHEEKTOWAGA, NY, 14227 1033
Used automobile 2020 and older
5.00%
60 months
▼
APR5.00%
Term60 months
Last UpdatedMay 22, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.55%
927 Grant St, Buffalo, NY, 14207 2820
Used Autos (2015-2025)
5.00%
66 Month
▼
APR5.00%
Term66 Month
Last UpdatedMay 29, 2026
Details
ALCO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
2859 Lindy Ln, Wellsville, NY, 14895 9337
Used auto loans
5.00%
24 months
▼
APR5.00%
Term24 months
Last UpdatedJun 1, 2026
Details
NORTH TOWNS
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
9145 Sheridan Dr, Clarence, NY, 14031
New and used Vehicle (Purchase or Refinance) - Model year 2011 or Newer
5.00%
4 Months
▼
APR5.00%
Term4 Months
Last UpdatedJun 1, 2026
Details
As Low As; as low as...
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY, 13209
Used Auto - 2025-2027 37 - 66 months
5.07%
66 Months
▼
APR5.07%
Term66 Months
Last UpdatedJun 3, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.89%
2488 State Route 11, Mooers, NY, 12958
New/Used Vehicles with Titles Loan
5.13%
3 years
▼
APR5.13%
Term3 years
Last UpdatedMay 30, 2026
Details
As Low As
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.81%
423 E 23rd St, New York, NY, 10010 5011
Used Vehicle - fixed rate
5.14%
36 Months
▼
APR5.14%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★ Texas Ratio: 4.12%
57 Lake Shore Dr W, Dunkirk, NY, 14048 1517
Used Autos (3 Years and Older)
5.15%
36 Months
▼
APR5.15%
Term36 Months
Last UpdatedJun 1, 2026
Details
As Low As
North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.89%
2488 State Route 11, Mooers, NY, 12958
New/Used Vehicles with Titles Loan
5.18%
5 years
▼
APR5.18%
Term5 years
Last UpdatedMay 30, 2026
Details
As Low As
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
100 MARINA DR, ROCHESTER, NY, 14626 5104
Used Auto (2018 & newer)
5.20%
36 Months
▼
APR5.20%
Term36 Months
Last UpdatedMay 22, 2026
Details
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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
5.493%
▲ 0.006 vs 7 days ago
New York new auto rates rose 0.006 points over the past 7 days to 5.493% APR.
Used Auto Loan — NY Avg
6.573%
Unchanged vs 7 days ago
New York used auto loan rates currently average 6.573% APR.
As of Jun 4, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
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.
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.
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:
- Triboro Postal Federal Credit Union: 2.25% (New Car Loan)
- Baxter Credit Union: 3.24% (Auto Loans)
- Financial Trust Federal Credit Union: 3.29% (New Auto Loan)
- American Airlines Federal Credit Union: 3.34% (New Auto)
- Town of Cheektowaga Federal Credit Union: 3.49% (New automobile)
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: June 3, 2026
Auto Loan Rates by City in New York
Rate Assistant
MonitorBankRates.com · Live Data
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