Auto Loan Rates in Albany, New York (NY) for May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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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 Albany, New York. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Albany, New York include First New York Federal Credit UnionFirst New York Federal Credit Union818 Central Ave, Albany, NY, 12206 1543A+5.0 ★Texas Ratio: 5.90% offering New Auto Loan: 2021-2027 Model Years at 3.99%, Broadview Federal Credit UnionBroadview Federal Credit Union40 Wolf Rd, Albany, NY, 12205A+5.0 ★Texas Ratio: 0.00% offering Vehicle Loan at 3.99%, ADVANTAGE FINANCIALADVANTAGE FINANCIAL113 HOLLAND AVE, ALBANY, NY, 12208A5.0 ★Texas Ratio: 12.00% offering NEW or USED vehicles at 4.39%, TrustCo BankTrustCo Bank112 State St, Albany, NY, 12207A+5.0 ★Texas Ratio: 3.16% offering Auto Loans: New Vehicle at 4.99%, Directors Choice Credit UnionDirectors Choice Credit Union1 South Family Drive, Albany, NY, 12205A+5.0 ★Texas Ratio: 0.00% offering New Autos, Light Trucks & Passenger Vans at 5.25%. Auto loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Albany has 7 local institutions in our database, with auto loan rates as low as 3.99% APR from First New York Federal Credit Union at 818 Central Ave, Albany, NY, 12206 1543. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Albany, New York. Auto Loan Rates Last Updated and Verified: May 12, 2026
Compare Auto Loan Rates Today in Albany, New York & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
818 Central Ave, Albany, NY, 12206 1543
New Auto Loan: 2021-2027 Model Years
3.99%
24 Months
▼
APR3.99%
Term24 Months
Last UpdatedMay 6, 2026
Details
As Low As
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY, 12205
Vehicle Loan
3.99%
2 years
▼
APR3.99%
Term2 years
Last UpdatedMay 12, 2026
Details
As Low As; Vehicle Loan
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY, 12205
Vehicle Loan 2 Year Loan (2023 and Newer)
3.99%
2 Months
▼
APR3.99%
Term2 Months
Last UpdatedMay 12, 2026
Details
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY, 12205
Vehicle Loan 2 years
3.99%
2 Months
▼
APR3.99%
Term2 Months
Last UpdatedMay 12, 2026
Details
As Low As
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
818 Central Ave, Albany, NY, 12206 1543
New Auto Loan: 2021-2027 Model Years
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY, 12205
Vehicle Loan 3 Year Loan (2023 and Newer)
4.24%
3 Months
▼
APR4.24%
Term3 Months
Last UpdatedMay 12, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
113 HOLLAND AVE, ALBANY, NY, 12208
NEW or USED vehicles
4.39%
up to 36
▼
APR4.39%
Termup to 36
Last UpdatedMay 12, 2026
Details
As Low As; w/ Auto Pay Discount
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
818 Central Ave, Albany, NY, 12206 1543
New Auto Loan: 2021-2027 Model Years
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY, 12205
Vehicle Loan 4 Year Loan (2023 and Newer)
4.49%
4 Months
▼
APR4.49%
Term4 Months
Last UpdatedMay 12, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
113 HOLLAND AVE, ALBANY, NY, 12208
Auto Loans
4.49%
up to 36 months
▼
APR4.49%
Termup to 36 months
Last UpdatedMay 12, 2026
Details
As Low As; w/ Auto Pay Discount: as low as 4.39%
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
113 HOLLAND AVE, ALBANY, NY, 12208
NEW or USED vehicles
4.49%
up to 36
▼
APR4.49%
Termup to 36
Last UpdatedMay 12, 2026
Details
As Low As
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY, 12205
Vehicle Loan 5 Year Loan (2023 and Newer)
4.74%
5 Months
▼
APR4.74%
Term5 Months
Last UpdatedMay 12, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
113 HOLLAND AVE, ALBANY, NY, 12208
NEW or USED vehicles
4.89%
37 - 48
▼
APR4.89%
Term37 - 48
Last UpdatedMay 12, 2026
Details
As Low As; w/ Auto Pay Discount
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 UpdatedMay 4, 2026
Details
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY, 12205
Vehicle Loan 6 Year Loan (2023 and Newer)
4.99%
6 Months
▼
APR4.99%
Term6 Months
Last UpdatedMay 12, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
113 HOLLAND AVE, ALBANY, NY, 12208
Auto Loans
4.99%
37 - 48 months
▼
APR4.99%
Term37 - 48 months
Last UpdatedMay 12, 2026
Details
As Low As; w/ Auto Pay Discount: as low as 4.89%
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
113 HOLLAND AVE, ALBANY, NY, 12208
NEW or USED vehicles
4.99%
37 - 48
▼
APR4.99%
Term37 - 48
Last UpdatedMay 12, 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
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedMay 4, 2026
Details
Directors Choice Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1 South Family Drive, Albany, NY, 12205
New Autos, Light Trucks & Passenger Vans
5.25%
Up To 48 Months
▼
APR5.25%
TermUp To 48 Months
Last UpdatedMay 12, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
113 HOLLAND AVE, ALBANY, NY, 12208
NEW or USED vehicles
5.39%
49 - 60
▼
APR5.39%
Term49 - 60
Last UpdatedMay 12, 2026
Details
As Low As; w/ Auto Pay Discount
Ballston Spa National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
1973 Western Ave, Albany, NY, 12203
Auto Loan
5.40%
36 Months
▼
APR5.40%
Term36 Months
Last UpdatedMay 5, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
818 Central Ave, Albany, NY, 12206 1543
New Auto Loan: 2021-2027 Model Years
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
818 Central Ave, Albany, NY, 12206 1543
Used Auto Loan: 2017-2020 Model Years
5.49%
24 Months
▼
APR5.49%
Term24 Months
Last UpdatedMay 6, 2026
Details
As Low As
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY, 12205
Vehicle Loan 2 Year Loan (2019-2022)
5.49%
2 Months
▼
APR5.49%
Term2 Months
Last UpdatedMay 12, 2026
Details
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY, 12205
Vehicle Loan 3 Year Loan (2019-2022)
5.49%
3 Months
▼
APR5.49%
Term3 Months
Last UpdatedMay 12, 2026
Details
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY, 12205
Vehicle Loan 7 Year Loan (2023 and Newer)
5.49%
7 Months
▼
APR5.49%
Term7 Months
Last UpdatedMay 12, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
113 HOLLAND AVE, ALBANY, NY, 12208
Auto Loans
5.49%
49 - 60 months
▼
APR5.49%
Term49 - 60 months
Last UpdatedMay 12, 2026
Details
As Low As; w/ Auto Pay Discount: as low as 5.39%
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
113 HOLLAND AVE, ALBANY, NY, 12208
NEW or USED vehicles
5.49%
49 - 60
▼
APR5.49%
Term49 - 60
Last UpdatedMay 12, 2026
Details
As Low As
Directors Choice Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1 South Family Drive, Albany, NY, 12205
New Autos, Light Trucks & Passenger Vans
5.50%
61 - 72 Months
▼
APR5.50%
Term61 - 72 Months
Last UpdatedMay 12, 2026
Details
Ballston Spa National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
1973 Western Ave, Albany, NY, 12203
Auto Loan
5.60%
48 Months
▼
APR5.60%
Term48 Months
Last UpdatedMay 5, 2026
Details
Ballston Spa National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
1973 Western Ave, Albany, NY, 12203
Auto Loan
5.70%
60 Months
▼
APR5.70%
Term60 Months
Last UpdatedMay 5, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
818 Central Ave, Albany, NY, 12206 1543
Used Auto Loan: 2017-2020 Model Years
5.74%
48 Months
▼
APR5.74%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY, 12205
Vehicle Loan 4 Year Loan (2019-2022)
5.74%
4 Months
▼
APR5.74%
Term4 Months
Last UpdatedMay 12, 2026
Details
Ballston Spa National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
1973 Western Ave, Albany, NY, 12203
Auto Loan
5.80%
66 Months
▼
APR5.80%
Term66 Months
Last UpdatedMay 5, 2026
Details
Ballston Spa National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
1973 Western Ave, Albany, NY, 12203
Auto Loan
5.90%
72 Months
▼
APR5.90%
Term72 Months
Last UpdatedMay 5, 2026
Details
Bank of Greene County
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
103 Wolf Rd, Albany, NY, 12205
New Auto - Year 2025-2026
5.99%
12-66
▼
APR5.99%
Term12-66
Last UpdatedMay 4, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
818 Central Ave, Albany, NY, 12206 1543
Used Auto Loan: 2017-2020 Model Years
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY, 12205
Vehicle Loan 5 Year Loan (2019-2022)
5.99%
5 Months
▼
APR5.99%
Term5 Months
Last UpdatedMay 12, 2026
Details
Ballston Spa National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
1973 Western Ave, Albany, NY, 12203
Auto Loan
6.10%
36 Months
▼
APR6.10%
Term36 Months
Last UpdatedMay 5, 2026
Details
Ballston Spa National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
1973 Western Ave, Albany, NY, 12203
Auto Loan
6.20%
48 Months
▼
APR6.20%
Term48 Months
Last UpdatedMay 5, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
112 State St, Albany, NY, 12207
Auto Loans: Used Vehicle
6.25%
5 Years
▼
APR6.25%
Term5 Years
Last UpdatedMay 4, 2026
Details
Directors Choice Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1 South Family Drive, Albany, NY, 12205
Used Autos, Light Trucks & Passenger Vans
6.25%
Up To 48 Months
▼
APR6.25%
TermUp To 48 Months
Last UpdatedMay 12, 2026
Details
Ballston Spa National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
1973 Western Ave, Albany, NY, 12203
Auto Loan
6.30%
60 Months
▼
APR6.30%
Term60 Months
Last UpdatedMay 5, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
113 HOLLAND AVE, ALBANY, NY, 12208
NEW or USED vehicles
6.39%
61 - 72
▼
APR6.39%
Term61 - 72
Last UpdatedMay 12, 2026
Details
As Low As; w/ Auto Pay Discount
Ballston Spa National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
1973 Western Ave, Albany, NY, 12203
Auto Loan
6.40%
66 Months
▼
APR6.40%
Term66 Months
Last UpdatedMay 5, 2026
Details
Bank of Greene County
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
103 Wolf Rd, Albany, NY, 12205
New Auto - Year 2025-2026
6.49%
12-66
▼
APR6.49%
Term12-66
Last UpdatedMay 4, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
113 HOLLAND AVE, ALBANY, NY, 12208
Auto Loans
6.49%
61 - 72 months
▼
APR6.49%
Term61 - 72 months
Last UpdatedMay 12, 2026
Details
As Low As; w/ Auto Pay Discount: as low as 6.39%
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
113 HOLLAND AVE, ALBANY, NY, 12208
NEW or USED vehicles
6.49%
61 - 72
▼
APR6.49%
Term61 - 72
Last UpdatedMay 12, 2026
Details
As Low As
Bank of Greene County
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
103 Wolf Rd, Albany, NY, 12205
Used Auto - 2017-2026
6.50%
12-60
▼
APR6.50%
Term12-60
Last UpdatedMay 4, 2026
Details
Maximum term 60 months
Ballston Spa National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
1973 Western Ave, Albany, NY, 12203
Auto Loan
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedMay 5, 2026
Details
Directors Choice Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1 South Family Drive, Albany, NY, 12205
Used Autos, Light Trucks & Passenger Vans
6.50%
61 - 72 Months
▼
APR6.50%
Term61 - 72 Months
Last UpdatedMay 12, 2026
Details
Ballston Spa National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
1973 Western Ave, Albany, NY, 12203
Auto Loan
6.60%
36 Months
▼
APR6.60%
Term36 Months
Last UpdatedMay 5, 2026
Details
Ballston Spa National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
1973 Western Ave, Albany, NY, 12203
Auto Loan
6.70%
48 Months
▼
APR6.70%
Term48 Months
Last UpdatedMay 5, 2026
Details
Ballston Spa National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
1973 Western Ave, Albany, NY, 12203
Auto Loan
6.80%
60 Months
▼
APR6.80%
Term60 Months
Last UpdatedMay 5, 2026
Details
Ballston Spa National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
1973 Western Ave, Albany, NY, 12203
Auto Loan
6.90%
66 Months
▼
APR6.90%
Term66 Months
Last UpdatedMay 5, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
818 Central Ave, Albany, NY, 12206 1543
New Auto Loan: 2021-2027 Model Years
6.99%
96 Months
▼
APR6.99%
Term96 Months
Last UpdatedMay 6, 2026
Details
As Low As
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
818 Central Ave, Albany, NY, 12206 1543
Used Auto Loan: 2006-2016 Model Years
6.99%
24 Months
▼
APR6.99%
Term24 Months
Last UpdatedMay 6, 2026
Details
As Low As; *Annual Percentage Rate. Competitive Fixed Rates. Previously owned or titled. Financing up to 100% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty. Vehicles prior to and including 2016: We will finance the purchase price or NADA value. The annual Percentage Rate (APR) offered is subject to change and all loans are subject to approval. A 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. A 0.5% APR discount is available on auto loans for hybrid or electric cars. The actual rate may vary. The monthly payment amount shown is calculated per $1,000 and is based on a 30-day month.*Annual Percentage Rate. Competitive Fixed Rates. Previously owned or titled. Financing up to 100% of the NADA value or purchase price, PLUS tax, title, registration, and warranty.
Bank of Greene County
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
103 Wolf Rd, Albany, NY, 12205
Used Auto - 2017-2026
7.00%
12-60
▼
APR7.00%
Term12-60
Last UpdatedMay 4, 2026
Details
Maximum term 60 months
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
113 HOLLAND AVE, ALBANY, NY, 12208
NEW or USED vehicles
7.39%
73 - 84
▼
APR7.39%
Term73 - 84
Last UpdatedMay 12, 2026
Details
As Low As; w/ Auto Pay Discount
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
113 HOLLAND AVE, ALBANY, NY, 12208
Auto Loans
7.49%
73 - 84 months
▼
APR7.49%
Term73 - 84 months
Last UpdatedMay 12, 2026
Details
As Low As; w/ Auto Pay Discount: as low as 7.39%
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
113 HOLLAND AVE, ALBANY, NY, 12208
NEW or USED vehicles
7.49%
73 - 84
▼
APR7.49%
Term73 - 84
Last UpdatedMay 12, 2026
Details
As Low As
Ballston Spa National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
1973 Western Ave, Albany, NY, 12203
Auto Loan
8.10%
36 Months
▼
APR8.10%
Term36 Months
Last UpdatedMay 5, 2026
Details
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY, 12205
Vehicle Loan 2 Year Loan (2018 and Older)
8.24%
2 Months
▼
APR8.24%
Term2 Months
Last UpdatedMay 12, 2026
Details
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY, 12205
Vehicle Loan 3 Year Loan (2018 and Older)
8.24%
3 Months
▼
APR8.24%
Term3 Months
Last UpdatedMay 12, 2026
Details
Directors Choice Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1 South Family Drive, Albany, NY, 12205
Used Autos, Light Trucks & Passenger Vans
8.25%
Up To 48 Months
▼
APR8.25%
TermUp To 48 Months
Last UpdatedMay 12, 2026
Details
Ballston Spa National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
1973 Western Ave, Albany, NY, 12203
Auto Loan
8.35%
48 Months
▼
APR8.35%
Term48 Months
Last UpdatedMay 5, 2026
Details
Ballston Spa National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
1973 Western Ave, Albany, NY, 12203
Auto Loan
8.45%
60 Months
▼
APR8.45%
Term60 Months
Last UpdatedMay 5, 2026
Details
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY, 12205
Vehicle Loan 4 Year Loan (2018 and Older)
8.49%
4 Months
▼
APR8.49%
Term4 Months
Last UpdatedMay 12, 2026
Details
Ballston Spa National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
1973 Western Ave, Albany, NY, 12203
Auto Loan
8.60%
48 Months
▼
APR8.60%
Term48 Months
Last UpdatedMay 5, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
818 Central Ave, Albany, NY, 12206 1543
Used Auto Loan: 2006-2016 Model Years
8.99%
48 Months
▼
APR8.99%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; *Annual Percentage Rate. Competitive Fixed Rates. Previously owned or titled. Financing up to 100% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty. Vehicles prior to and including 2016: We will finance the purchase price or NADA value. The annual Percentage Rate (APR) offered is subject to change and all loans are subject to approval. A 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. A 0.5% APR discount is available on auto loans for hybrid or electric cars. The actual rate may vary. The monthly payment amount shown is calculated per $1,000 and is based on a 30-day month.*Annual Percentage Rate. Competitive Fixed Rates. Previously owned or titled. Financing up to 100% of the NADA value or purchase price, PLUS tax, title, registration, and warranty.
Triboro Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
New Car
2.25%
36 Months
▼
APR2.25%
Term36 Months
Last UpdatedMay 6, 2026
Details
20 - 21
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMay 12, 2026
Details
As Low As; APR - 2026 & Newer
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New automobile
3.49%
36 months
▼
APR3.49%
Term36 months
Last UpdatedMay 7, 2026
Details
MAMTA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New & Used Cars
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
New Autos (2025-2026)
3.50%
36 Month
▼
APR3.50%
Term36 Month
Last UpdatedMay 6, 2026
Details
Up To 100% Financing
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
New Auto / Truck
3.50%
60 months
▼
APR3.50%
Term60 months
Last UpdatedMay 7, 2026
Details
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Auto Loan Special
3.50%
60 Months
▼
APR3.50%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New & Used Autos
3.50%
24 Months
▼
APR3.50%
Term24 Months
Last UpdatedMay 7, 2026
Details
As Low As
APR3.50%
Term24 months
Last UpdatedMay 12, 2026
Details
NIAGARAS CHOICE
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
New Auto (2024 or newer)
3.70%
24 to 84 months
▼
APR3.70%
Term24 to 84 months
Last UpdatedMay 12, 2026
Details
As Low As; Rate includes auto-pay discount of .25%
NIAGARAS CHOICE
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
Used Auto (2019-2023)
3.70%
24 to 72 months
▼
APR3.70%
Term24 to 72 months
Last UpdatedMay 12, 2026
Details
As Low As; Rate includes auto-pay discount of .25%
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
New Autos (2025-2026)
3.75%
48 Month
▼
APR3.75%
Term48 Month
Last UpdatedMay 6, 2026
Details
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
New/Used Auto
3.90%
36 Months
▼
APR3.90%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Triboro Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
Used Car
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 6, 2026
Details
18 - 19
Affinity One Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
Vehicle Loan
3.99%
24 Months
▼
APR3.99%
Term24 Months
Last UpdatedMay 6, 2026
Details
As Low As
Niagara Wheatfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New & Used Vehicles up to 36 months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 7, 2026
Details
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
New Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As; For New Models 2026-2022
Leatherstocking Region Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
New Vehicle
3.99%
72 Months
▼
APR3.99%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New Auto Loans (2023-2027)
3.99%
1 to 60
▼
APR3.99%
Term1 to 60
Last UpdatedMay 7, 2026
Details
As Low As
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New automobile
3.99%
60 months
▼
APR3.99%
Term60 months
Last UpdatedMay 7, 2026
Details
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Used automobile 2021 - 2026
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedMay 7, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMay 12, 2026
Details
As Low As; APR - 2026 & Newer
Hudson River Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.24%
Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As; Fixed Rate 36 Month
Hudson River Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.24%
Auto Loans Fixed Rate 36 Month
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As; Fixed Rate 36 Month
APR3.99%
Term12-60
Last UpdatedMay 12, 2026
Details
APR3.99%
Term12-24
Last UpdatedMay 12, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
New Autos (2025-2026)
4.00%
54 Month
▼
APR4.00%
Term54 Month
Last UpdatedMay 6, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
Used Autos (2015-2025)
4.00%
36 Month
▼
APR4.00%
Term36 Month
Last UpdatedMay 6, 2026
Details
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
New Auto / Truck
4.00%
61 - 72 months
▼
APR4.00%
Term61 - 72 months
Last UpdatedMay 7, 2026
Details
APR4.00%
Term36 months
Last UpdatedMay 12, 2026
Details
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
New/Used Auto
4.10%
60 Months
▼
APR4.10%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New Vehicle - fixed rate 36 Months
4.14%
36 Months
▼
APR4.14%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★ Texas Ratio: 26.83%
New Autos (2 Years and Newer)
4.15%
36 Months
▼
APR4.15%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As
APR4.15%
Term48 months
Last UpdatedMay 12, 2026
Details
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Vehicle Loans - Model Years 2024 and newer
4.24%
1 - 48
▼
APR4.24%
Term1 - 48
Last UpdatedMay 6, 2026
Details
As Low As
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
New Auto Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As; For New Models 2026-2022
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New Vehicle - fixed rate 48 Months
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
New Auto Loans
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMay 7, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New Auto Loans (2023-2027)
4.24%
61 to 66
▼
APR4.24%
Term61 to 66
Last UpdatedMay 7, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details
As Low As
SPECIAL METALS
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
Automobiles 2023 - 2026
4.24%
12 Months
▼
APR4.24%
Term12 Months
Last UpdatedMay 12, 2026
Details
APR4.24%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As; 2025 & newer
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
New Autos (2025-2026)
4.25%
60 Month
▼
APR4.25%
Term60 Month
Last UpdatedMay 6, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
Used Autos (2015-2025)
4.25%
48 Month
▼
APR4.25%
Term48 Month
Last UpdatedMay 6, 2026
Details
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.07%
2023 & Newer Auto Loan
4.25%
5 Years
▼
APR4.25%
Term5 Years
Last UpdatedMay 7, 2026
Details
Up to 100% NADA + Tax + Warranty
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
New Vehicles
4.25%
1 - 36
▼
APR4.25%
Term1 - 36
Last UpdatedMay 7, 2026
Details
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
New Vehicles 1-36 Months A
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 7, 2026
Details
The Heart Center Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.94%
New Auto
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
APR4.25%
Term60 months
Last UpdatedMay 12, 2026
Details
NORTH TOWNS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
New and used Vehicle (Purchase or Refinance) - Model year 2011 or Newer
4.25%
2 years
▼
APR4.25%
Term2 years
Last UpdatedMay 12, 2026
Details
As Low As; as low as...
APR4.25%
Term36 Months
Last UpdatedMay 12, 2026
Details
APR4.25%
Term25-36
Last UpdatedMay 12, 2026
Details
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Used automobile 2021 - 2026
4.29%
72 months
▼
APR4.29%
Term72 months
Last UpdatedMay 7, 2026
Details
APR4.44%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As; 2024 & Older
Auburn Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
APR4.49%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Vehicle Loans - Model Years 2024 and newer
4.49%
49 - 60
▼
APR4.49%
Term49 - 60
Last UpdatedMay 6, 2026
Details
As Low As
TrailNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New Vehicle - fixed rate 60 Months
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
New Auto Loans
4.49%
49-66
▼
APR4.49%
Term49-66
Last UpdatedMay 7, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
Used Auto Loans - 3-6 years old
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 7, 2026
Details
Grade / Score: A+ / 730+
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New Auto Loans (2023-2027)
4.49%
67 to 72
▼
APR4.49%
Term67 to 72
Last UpdatedMay 7, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details
As Low As
Western Division Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Classic Vehicle
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMay 10, 2026
Details
Cars & Trucks; Military; First Responder; Graduate & First-time Discounts
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMay 12, 2026
Details
As Low As; APR - 2023 - 2025*
SPECIAL METALS
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
Automobiles 2023 - 2026
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 12, 2026
Details
Triboro Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
Used Car
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 6, 2026
Details
16 - 17
MAMTA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New & Used Cars
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 6, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
New Autos (2025-2026)
4.50%
66 Month
▼
APR4.50%
Term66 Month
Last UpdatedMay 6, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
Used Autos (2015-2025)
4.50%
54 Month
▼
APR4.50%
Term54 Month
Last UpdatedMay 6, 2026
Details
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
New/Used Auto
4.50%
84 Months
▼
APR4.50%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
New Auto / Truck
4.50%
73 - 84 months
▼
APR4.50%
Term73 - 84 months
Last UpdatedMay 7, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.85%
New Car Loans
4.50%
Up to 5 years
▼
APR4.50%
TermUp to 5 years
Last UpdatedMay 7, 2026
Details
As Low As; 10% down payment
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New & Used Autos
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
BUFFALO CONRAIL
Institution Rating:
B+4.7 ★ Texas Ratio: 18.78%
Auto Loans 2026 - 24
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 12, 2026
Details
APR4.50%
Term37-48
Last UpdatedMay 12, 2026
Details
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★ Texas Ratio: 26.83%
New Autos (2 Years and Newer)
4.60%
48 Months
▼
APR4.60%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMay 10, 2026
Details
APR4.64%
Term49-60
Last UpdatedMay 12, 2026
Details
As Low As; 2024 & Older
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedMay 6, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedMay 6, 2026
Details
As Low As
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New Auto - 2025-2027
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedMay 4, 2026
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.91%
Auto Loans
4.74%
2-Year
▼
APR4.74%
Term2-Year
Last UpdatedMay 7, 2026
Details
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
New Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As; For New Models 2026-2022
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
New Auto Loans
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 7, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
Used Auto Loans (2019-2022)
4.74%
1 to 60
▼
APR4.74%
Term1 to 60
Last UpdatedMay 7, 2026
Details
As Low As
APR4.74%
Term61-75
Last UpdatedMay 12, 2026
Details
As Low As; 2025 & newer
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
Used Auto - 2025-2027
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMay 4, 2026
Details
Gowanda Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Older Vehicles
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMay 6, 2026
Details
Effective 4/09/26-6/09/26; 2022 and older vehicles rates start at 36 months for 4.75%
Affinity One Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
Vehicle Loan
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
Used Autos (2015-2025)
4.75%
60 Month
▼
APR4.75%
Term60 Month
Last UpdatedMay 6, 2026
Details
UFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
New Auto
4.75%
0-35
▼
APR4.75%
Term0-35
Last UpdatedMay 7, 2026
Details
As Low As
UFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
New Auto Loan
4.75%
0-35 Months
▼
APR4.75%
Term0-35 Months
Last UpdatedMay 7, 2026
Details
As Low As
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
New Vehicles
4.75%
1 - 36
▼
APR4.75%
Term1 - 36
Last UpdatedMay 7, 2026
Details
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
New Vehicles 1-36 Months B
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMay 7, 2026
Details
Academic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New Cars
4.75%
5 Months
▼
APR4.75%
Term5 Months
Last UpdatedMay 7, 2026
Details
As Low As
Academic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New Vehicles
4.75%
Up to 60 Months
▼
APR4.75%
TermUp to 60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★ Texas Ratio: 40.19%
Auto Loans - Cars, Trucks, and SUVs
4.75%
Up to 24 Months
▼
APR4.75%
TermUp to 24 Months
Last UpdatedMay 7, 2026
Details
As Low As
BUFFALO CONRAIL
Institution Rating:
B+4.7 ★ Texas Ratio: 18.78%
Auto Loans 2023 - 17
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 12, 2026
Details
NORTH TOWNS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
New and used Vehicle (Purchase or Refinance) - Model year 2011 or Newer
4.75%
3 years
▼
APR4.75%
Term3 years
Last UpdatedMay 12, 2026
Details
As Low As; as low as...
CANANDAIGUA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.05%
New Auto Loan or new vehicles up to 5000 miles
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As
Williamsville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
Auto Loans - New 2025-2026
4.80%
60 months
▼
APR4.80%
Term60 months
Last UpdatedMay 6, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
New/Used Vehicles with Titles
4.83%
2 years
▼
APR4.83%
Term2 years
Last UpdatedMay 7, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedMay 6, 2026
Details
As Low As
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
New Auto
4.90%
36 Months
▼
APR4.90%
Term36 Months
Last UpdatedMay 6, 2026
Details
Auto Payment
SUNY Fredonia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
New Vehicle Loans
4.90%
6 Years
▼
APR4.90%
Term6 Years
Last UpdatedMay 7, 2026
Details
BUFFALO CONRAIL
Institution Rating:
B+4.7 ★ Texas Ratio: 18.78%
Auto Loans 2026 - 24
4.90%
84 Months
▼
APR4.90%
Term84 Months
Last UpdatedMay 12, 2026
Details
APR4.94%
Term61-75
Last UpdatedMay 12, 2026
Details
As Low As; 2024 & Older
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
New Auto
4.95%
48 Months
▼
APR4.95%
Term48 Months
Last UpdatedMay 6, 2026
Details
Auto Payment
Williamsville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
Auto Loans - New 2025-2026
4.95%
72 months
▼
APR4.95%
Term72 months
Last UpdatedMay 6, 2026
Details
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New Auto - 2025-2027
4.97%
66 Months
▼
APR4.97%
Term66 Months
Last UpdatedMay 4, 2026
Details
Auburn Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
Auto Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
APR4.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
APR4.99%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Vehicle Loans - Model Years 2021-2023
4.99%
1 - 48
▼
APR4.99%
Term1 - 48
Last UpdatedMay 6, 2026
Details
As Low As
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Vehicle Loans - Model Years 2024 and newer
4.99%
61 - 72
▼
APR4.99%
Term61 - 72
Last UpdatedMay 6, 2026
Details
As Low As
Affinity One Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
Used Auto Loans
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedMay 6, 2026
Details
As Low As
Affinity One Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
Vehicle Loans
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedMay 6, 2026
Details
As Low As
Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.75%
Auto Loan Refinance
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
Actors Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.91%
Auto Loans
4.99%
3-Year
▼
APR4.99%
Term3-Year
Last UpdatedMay 7, 2026
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.91%
Up To 3-Year Auto Loan
4.99%
3 Months
▼
APR4.99%
Term3 Months
Last UpdatedMay 7, 2026
Details
As Low As
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
Used Auto Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As; For Used Models 2021-2017
Fox Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.22%
New Auto Loans
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As; 100% financing of purchase price, tax and license
Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
New Auto (2025 & newer)
4.99%
63 Months
▼
APR4.99%
Term63 Months
Last UpdatedMay 7, 2026
Details
As Low As
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
New Auto Loans
4.99%
67-75
▼
APR4.99%
Term67-75
Last UpdatedMay 7, 2026
Details
Min amt financed of $20,000 for terms ? 67 months
Medisys Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
New and Used Automobiles
4.99%
36 Months or Less
▼
APR4.99%
Term36 Months or Less
Last UpdatedMay 7, 2026
Details
As Low As
Medisys Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
New Automobile Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As; for 60 months
Medisys Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
Used Automobile Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As; for 60 months
The Heart Center Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.94%
Used Auto
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
818 Central Ave, Albany, NY, 12206 1543
New Auto Loan: 2021-2027 Model Years
3.99%
24 Months
▼
APR3.99%
Term24 Months
Last UpdatedMay 6, 2026
Details
As Low As
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY, 12205
Vehicle Loan 2 Year Loan (2023 and Newer)
3.99%
2 Months
▼
APR3.99%
Term2 Months
Last UpdatedMay 12, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
818 Central Ave, Albany, NY, 12206 1543
New Auto Loan: 2021-2027 Model Years
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY, 12205
Vehicle Loan 3 Year Loan (2023 and Newer)
4.24%
3 Months
▼
APR4.24%
Term3 Months
Last UpdatedMay 12, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
113 HOLLAND AVE, ALBANY, NY, 12208
NEW or USED vehicles
4.39%
up to 36
▼
APR4.39%
Termup to 36
Last UpdatedMay 12, 2026
Details
As Low As; w/ Auto Pay Discount
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
818 Central Ave, Albany, NY, 12206 1543
New Auto Loan: 2021-2027 Model Years
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY, 12205
Vehicle Loan 4 Year Loan (2023 and Newer)
4.49%
4 Months
▼
APR4.49%
Term4 Months
Last UpdatedMay 12, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
113 HOLLAND AVE, ALBANY, NY, 12208
NEW or USED vehicles
4.49%
up to 36
▼
APR4.49%
Termup to 36
Last UpdatedMay 12, 2026
Details
As Low As
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY, 12205
Vehicle Loan 5 Year Loan (2023 and Newer)
4.74%
5 Months
▼
APR4.74%
Term5 Months
Last UpdatedMay 12, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
113 HOLLAND AVE, ALBANY, NY, 12208
NEW or USED vehicles
4.89%
37 - 48
▼
APR4.89%
Term37 - 48
Last UpdatedMay 12, 2026
Details
As Low As; w/ Auto Pay Discount
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 UpdatedMay 4, 2026
Details
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY, 12205
Vehicle Loan 6 Year Loan (2023 and Newer)
4.99%
6 Months
▼
APR4.99%
Term6 Months
Last UpdatedMay 12, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
113 HOLLAND AVE, ALBANY, NY, 12208
NEW or USED vehicles
4.99%
37 - 48
▼
APR4.99%
Term37 - 48
Last UpdatedMay 12, 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
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedMay 4, 2026
Details
Directors Choice Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1 South Family Drive, Albany, NY, 12205
New Autos, Light Trucks & Passenger Vans
5.25%
Up To 48 Months
▼
APR5.25%
TermUp To 48 Months
Last UpdatedMay 12, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
113 HOLLAND AVE, ALBANY, NY, 12208
NEW or USED vehicles
5.39%
49 - 60
▼
APR5.39%
Term49 - 60
Last UpdatedMay 12, 2026
Details
As Low As; w/ Auto Pay Discount
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
818 Central Ave, Albany, NY, 12206 1543
New Auto Loan: 2021-2027 Model Years
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
40 Wolf Rd, Albany, NY, 12205
Vehicle Loan 7 Year Loan (2023 and Newer)
5.49%
7 Months
▼
APR5.49%
Term7 Months
Last UpdatedMay 12, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
113 HOLLAND AVE, ALBANY, NY, 12208
NEW or USED vehicles
5.49%
49 - 60
▼
APR5.49%
Term49 - 60
Last UpdatedMay 12, 2026
Details
As Low As
Directors Choice Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1 South Family Drive, Albany, NY, 12205
New Autos, Light Trucks & Passenger Vans
5.50%
61 - 72 Months
▼
APR5.50%
Term61 - 72 Months
Last UpdatedMay 12, 2026
Details
Bank of Greene County
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
103 Wolf Rd, Albany, NY, 12205
New Auto - Year 2025-2026
5.99%
12-66
▼
APR5.99%
Term12-66
Last UpdatedMay 4, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
113 HOLLAND AVE, ALBANY, NY, 12208
NEW or USED vehicles
6.39%
61 - 72
▼
APR6.39%
Term61 - 72
Last UpdatedMay 12, 2026
Details
As Low As; w/ Auto Pay Discount
Bank of Greene County
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
103 Wolf Rd, Albany, NY, 12205
New Auto - Year 2025-2026
6.49%
12-66
▼
APR6.49%
Term12-66
Last UpdatedMay 4, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
113 HOLLAND AVE, ALBANY, NY, 12208
NEW or USED vehicles
6.49%
61 - 72
▼
APR6.49%
Term61 - 72
Last UpdatedMay 12, 2026
Details
As Low As
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
818 Central Ave, Albany, NY, 12206 1543
New Auto Loan: 2021-2027 Model Years
6.99%
96 Months
▼
APR6.99%
Term96 Months
Last UpdatedMay 6, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
113 HOLLAND AVE, ALBANY, NY, 12208
NEW or USED vehicles
7.39%
73 - 84
▼
APR7.39%
Term73 - 84
Last UpdatedMay 12, 2026
Details
As Low As; w/ Auto Pay Discount
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
113 HOLLAND AVE, ALBANY, NY, 12208
NEW or USED vehicles
7.49%
73 - 84
▼
APR7.49%
Term73 - 84
Last UpdatedMay 12, 2026
Details
As Low As
Triboro Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
New Car
2.25%
36 Months
▼
APR2.25%
Term36 Months
Last UpdatedMay 6, 2026
Details
20 - 21
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New automobile
3.49%
36 months
▼
APR3.49%
Term36 months
Last UpdatedMay 7, 2026
Details
MAMTA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New & Used Cars
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
New Autos (2025-2026)
3.50%
36 Month
▼
APR3.50%
Term36 Month
Last UpdatedMay 6, 2026
Details
Up To 100% Financing
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
New Auto / Truck
3.50%
60 months
▼
APR3.50%
Term60 months
Last UpdatedMay 7, 2026
Details
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New & Used Autos
3.50%
24 Months
▼
APR3.50%
Term24 Months
Last UpdatedMay 7, 2026
Details
As Low As
APR3.50%
Term24 months
Last UpdatedMay 12, 2026
Details
NIAGARAS CHOICE
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
New Auto (2024 or newer)
3.70%
24 to 84 months
▼
APR3.70%
Term24 to 84 months
Last UpdatedMay 12, 2026
Details
As Low As; Rate includes auto-pay discount of .25%
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
New Autos (2025-2026)
3.75%
48 Month
▼
APR3.75%
Term48 Month
Last UpdatedMay 6, 2026
Details
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
New/Used Auto
3.90%
36 Months
▼
APR3.90%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Niagara Wheatfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New & Used Vehicles up to 36 months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 7, 2026
Details
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
New Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As; For New Models 2026-2022
Leatherstocking Region Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
New Vehicle
3.99%
72 Months
▼
APR3.99%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New Auto Loans (2023-2027)
3.99%
1 to 60
▼
APR3.99%
Term1 to 60
Last UpdatedMay 7, 2026
Details
As Low As
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New automobile
3.99%
60 months
▼
APR3.99%
Term60 months
Last UpdatedMay 7, 2026
Details
APR3.99%
Term12-60
Last UpdatedMay 12, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
New Autos (2025-2026)
4.00%
54 Month
▼
APR4.00%
Term54 Month
Last UpdatedMay 6, 2026
Details
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
New Auto / Truck
4.00%
61 - 72 months
▼
APR4.00%
Term61 - 72 months
Last UpdatedMay 7, 2026
Details
APR4.00%
Term36 months
Last UpdatedMay 12, 2026
Details
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
New/Used Auto
4.10%
60 Months
▼
APR4.10%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New Vehicle - fixed rate 36 Months
4.14%
36 Months
▼
APR4.14%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★ Texas Ratio: 26.83%
New Autos (2 Years and Newer)
4.15%
36 Months
▼
APR4.15%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As
APR4.15%
Term48 months
Last UpdatedMay 12, 2026
Details
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Vehicle Loans - Model Years 2024 and newer
4.24%
1 - 48
▼
APR4.24%
Term1 - 48
Last UpdatedMay 6, 2026
Details
As Low As
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
New Auto Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As; For New Models 2026-2022
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New Vehicle - fixed rate 48 Months
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
New Auto Loans
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMay 7, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New Auto Loans (2023-2027)
4.24%
61 to 66
▼
APR4.24%
Term61 to 66
Last UpdatedMay 7, 2026
Details
As Low As
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
New Autos (2025-2026)
4.25%
60 Month
▼
APR4.25%
Term60 Month
Last UpdatedMay 6, 2026
Details
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.07%
2023 & Newer Auto Loan
4.25%
5 Years
▼
APR4.25%
Term5 Years
Last UpdatedMay 7, 2026
Details
Up to 100% NADA + Tax + Warranty
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
New Vehicles
4.25%
1 - 36
▼
APR4.25%
Term1 - 36
Last UpdatedMay 7, 2026
Details
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
New Vehicles 1-36 Months A
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 7, 2026
Details
The Heart Center Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.94%
New Auto
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
APR4.25%
Term60 months
Last UpdatedMay 12, 2026
Details
NORTH TOWNS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
New and used Vehicle (Purchase or Refinance) - Model year 2011 or Newer
4.25%
2 years
▼
APR4.25%
Term2 years
Last UpdatedMay 12, 2026
Details
As Low As; as low as...
APR4.25%
Term36 Months
Last UpdatedMay 12, 2026
Details
APR4.49%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Vehicle Loans - Model Years 2024 and newer
4.49%
49 - 60
▼
APR4.49%
Term49 - 60
Last UpdatedMay 6, 2026
Details
As Low As
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New Vehicle - fixed rate 60 Months
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
New Auto Loans
4.49%
49-66
▼
APR4.49%
Term49-66
Last UpdatedMay 7, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New Auto Loans (2023-2027)
4.49%
67 to 72
▼
APR4.49%
Term67 to 72
Last UpdatedMay 7, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details
As Low As
MAMTA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New & Used Cars
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 6, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
New Autos (2025-2026)
4.50%
66 Month
▼
APR4.50%
Term66 Month
Last UpdatedMay 6, 2026
Details
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
New/Used Auto
4.50%
84 Months
▼
APR4.50%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
New Auto / Truck
4.50%
73 - 84 months
▼
APR4.50%
Term73 - 84 months
Last UpdatedMay 7, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.85%
New Car Loans
4.50%
Up to 5 years
▼
APR4.50%
TermUp to 5 years
Last UpdatedMay 7, 2026
Details
As Low As; 10% down payment
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New & Used Autos
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
APR4.50%
Term37-48
Last UpdatedMay 12, 2026
Details
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★ Texas Ratio: 26.83%
New Autos (2 Years and Newer)
4.60%
48 Months
▼
APR4.60%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMay 10, 2026
Details
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New Auto - 2025-2027
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedMay 4, 2026
Details
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
New Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As; For New Models 2026-2022
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
New Auto Loans
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 7, 2026
Details
UFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
New Auto
4.75%
0-35
▼
APR4.75%
Term0-35
Last UpdatedMay 7, 2026
Details
As Low As
UFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
New Auto Loan
4.75%
0-35 Months
▼
APR4.75%
Term0-35 Months
Last UpdatedMay 7, 2026
Details
As Low As
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
New Vehicles
4.75%
1 - 36
▼
APR4.75%
Term1 - 36
Last UpdatedMay 7, 2026
Details
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
New Vehicles 1-36 Months B
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMay 7, 2026
Details
Academic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New Cars
4.75%
5 Months
▼
APR4.75%
Term5 Months
Last UpdatedMay 7, 2026
Details
As Low As
Academic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New Vehicles
4.75%
Up to 60 Months
▼
APR4.75%
TermUp to 60 Months
Last UpdatedMay 7, 2026
Details
As Low As
NORTH TOWNS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
New and used Vehicle (Purchase or Refinance) - Model year 2011 or Newer
4.75%
3 years
▼
APR4.75%
Term3 years
Last UpdatedMay 12, 2026
Details
As Low As; as low as...
CANANDAIGUA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.05%
New Auto Loan or new vehicles up to 5000 miles
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As
Williamsville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
Auto Loans - New 2025-2026
4.80%
60 months
▼
APR4.80%
Term60 months
Last UpdatedMay 6, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
New/Used Vehicles with Titles
4.83%
2 years
▼
APR4.83%
Term2 years
Last UpdatedMay 7, 2026
Details
As Low As
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
New Auto
4.90%
36 Months
▼
APR4.90%
Term36 Months
Last UpdatedMay 6, 2026
Details
Auto Payment
SUNY Fredonia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
New Vehicle Loans
4.90%
6 Years
▼
APR4.90%
Term6 Years
Last UpdatedMay 7, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
New Auto
4.95%
48 Months
▼
APR4.95%
Term48 Months
Last UpdatedMay 6, 2026
Details
Auto Payment
Williamsville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
Auto Loans - New 2025-2026
4.95%
72 months
▼
APR4.95%
Term72 months
Last UpdatedMay 6, 2026
Details
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New Auto - 2025-2027
4.97%
66 Months
▼
APR4.97%
Term66 Months
Last UpdatedMay 4, 2026
Details
APR4.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Vehicle Loans - Model Years 2024 and newer
4.99%
61 - 72
▼
APR4.99%
Term61 - 72
Last UpdatedMay 6, 2026
Details
As Low As
Fox Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.22%
New Auto Loans
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As; 100% financing of purchase price, tax and license
Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
New Auto (2025 & newer)
4.99%
63 Months
▼
APR4.99%
Term63 Months
Last UpdatedMay 7, 2026
Details
As Low As
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
New Auto Loans
4.99%
67-75
▼
APR4.99%
Term67-75
Last UpdatedMay 7, 2026
Details
Min amt financed of $20,000 for terms ? 67 months
Medisys Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
New and Used Automobiles
4.99%
36 Months or Less
▼
APR4.99%
Term36 Months or Less
Last UpdatedMay 7, 2026
Details
As Low As
Medisys Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
New Automobile Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As; for 60 months
Powered by
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Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
113 HOLLAND AVE, ALBANY, NY, 12208
NEW or USED vehicles
4.39%
up to 36
▼
APR4.39%
Termup to 36
Last UpdatedMay 12, 2026
Details
As Low As; w/ Auto Pay Discount
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
113 HOLLAND AVE, ALBANY, NY, 12208
NEW or USED vehicles
4.49%
up to 36
▼
APR4.49%
Termup to 36
Last UpdatedMay 12, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
113 HOLLAND AVE, ALBANY, NY, 12208
NEW or USED vehicles
4.89%
37 - 48
▼
APR4.89%
Term37 - 48
Last UpdatedMay 12, 2026
Details
As Low As; w/ Auto Pay Discount
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
113 HOLLAND AVE, ALBANY, NY, 12208
NEW or USED vehicles
4.99%
37 - 48
▼
APR4.99%
Term37 - 48
Last UpdatedMay 12, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
113 HOLLAND AVE, ALBANY, NY, 12208
NEW or USED vehicles
5.39%
49 - 60
▼
APR5.39%
Term49 - 60
Last UpdatedMay 12, 2026
Details
As Low As; w/ Auto Pay Discount
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
818 Central Ave, Albany, NY, 12206 1543
Used Auto Loan: 2017-2020 Model Years
5.49%
24 Months
▼
APR5.49%
Term24 Months
Last UpdatedMay 6, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
113 HOLLAND AVE, ALBANY, NY, 12208
NEW or USED vehicles
5.49%
49 - 60
▼
APR5.49%
Term49 - 60
Last UpdatedMay 12, 2026
Details
As Low As
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
818 Central Ave, Albany, NY, 12206 1543
Used Auto Loan: 2017-2020 Model Years
5.74%
48 Months
▼
APR5.74%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
818 Central Ave, Albany, NY, 12206 1543
Used Auto Loan: 2017-2020 Model Years
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
112 State St, Albany, NY, 12207
Auto Loans: Used Vehicle
6.25%
5 Years
▼
APR6.25%
Term5 Years
Last UpdatedMay 4, 2026
Details
Directors Choice Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1 South Family Drive, Albany, NY, 12205
Used Autos, Light Trucks & Passenger Vans
6.25%
Up To 48 Months
▼
APR6.25%
TermUp To 48 Months
Last UpdatedMay 12, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
113 HOLLAND AVE, ALBANY, NY, 12208
NEW or USED vehicles
6.39%
61 - 72
▼
APR6.39%
Term61 - 72
Last UpdatedMay 12, 2026
Details
As Low As; w/ Auto Pay Discount
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
113 HOLLAND AVE, ALBANY, NY, 12208
NEW or USED vehicles
6.49%
61 - 72
▼
APR6.49%
Term61 - 72
Last UpdatedMay 12, 2026
Details
As Low As
Bank of Greene County
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
103 Wolf Rd, Albany, NY, 12205
Used Auto - 2017-2026
6.50%
12-60
▼
APR6.50%
Term12-60
Last UpdatedMay 4, 2026
Details
Maximum term 60 months
Directors Choice Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1 South Family Drive, Albany, NY, 12205
Used Autos, Light Trucks & Passenger Vans
6.50%
61 - 72 Months
▼
APR6.50%
Term61 - 72 Months
Last UpdatedMay 12, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
818 Central Ave, Albany, NY, 12206 1543
Used Auto Loan: 2006-2016 Model Years
6.99%
24 Months
▼
APR6.99%
Term24 Months
Last UpdatedMay 6, 2026
Details
As Low As; *Annual Percentage Rate. Competitive Fixed Rates. Previously owned or titled. Financing up to 100% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty. Vehicles prior to and including 2016: We will finance the purchase price or NADA value. The annual Percentage Rate (APR) offered is subject to change and all loans are subject to approval. A 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. A 0.5% APR discount is available on auto loans for hybrid or electric cars. The actual rate may vary. The monthly payment amount shown is calculated per $1,000 and is based on a 30-day month.*Annual Percentage Rate. Competitive Fixed Rates. Previously owned or titled. Financing up to 100% of the NADA value or purchase price, PLUS tax, title, registration, and warranty.
Bank of Greene County
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
103 Wolf Rd, Albany, NY, 12205
Used Auto - 2017-2026
7.00%
12-60
▼
APR7.00%
Term12-60
Last UpdatedMay 4, 2026
Details
Maximum term 60 months
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
113 HOLLAND AVE, ALBANY, NY, 12208
NEW or USED vehicles
7.39%
73 - 84
▼
APR7.39%
Term73 - 84
Last UpdatedMay 12, 2026
Details
As Low As; w/ Auto Pay Discount
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
113 HOLLAND AVE, ALBANY, NY, 12208
NEW or USED vehicles
7.49%
73 - 84
▼
APR7.49%
Term73 - 84
Last UpdatedMay 12, 2026
Details
As Low As
Directors Choice Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1 South Family Drive, Albany, NY, 12205
Used Autos, Light Trucks & Passenger Vans
8.25%
Up To 48 Months
▼
APR8.25%
TermUp To 48 Months
Last UpdatedMay 12, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
818 Central Ave, Albany, NY, 12206 1543
Used Auto Loan: 2006-2016 Model Years
8.99%
48 Months
▼
APR8.99%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; *Annual Percentage Rate. Competitive Fixed Rates. Previously owned or titled. Financing up to 100% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty. Vehicles prior to and including 2016: We will finance the purchase price or NADA value. The annual Percentage Rate (APR) offered is subject to change and all loans are subject to approval. A 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. A 0.5% APR discount is available on auto loans for hybrid or electric cars. The actual rate may vary. The monthly payment amount shown is calculated per $1,000 and is based on a 30-day month.*Annual Percentage Rate. Competitive Fixed Rates. Previously owned or titled. Financing up to 100% of the NADA value or purchase price, PLUS tax, title, registration, and warranty.
MAMTA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New & Used Cars
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New & Used Autos
3.50%
24 Months
▼
APR3.50%
Term24 Months
Last UpdatedMay 7, 2026
Details
As Low As
NIAGARAS CHOICE
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
Used Auto (2019-2023)
3.70%
24 to 72 months
▼
APR3.70%
Term24 to 72 months
Last UpdatedMay 12, 2026
Details
As Low As; Rate includes auto-pay discount of .25%
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
New/Used Auto
3.90%
36 Months
▼
APR3.90%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Triboro Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
Used Car
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 6, 2026
Details
18 - 19
Niagara Wheatfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New & Used Vehicles up to 36 months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 7, 2026
Details
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Used automobile 2021 - 2026
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedMay 7, 2026
Details
APR3.99%
Term12-24
Last UpdatedMay 12, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
Used Autos (2015-2025)
4.00%
36 Month
▼
APR4.00%
Term36 Month
Last UpdatedMay 6, 2026
Details
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
New/Used Auto
4.10%
60 Months
▼
APR4.10%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
Used Autos (2015-2025)
4.25%
48 Month
▼
APR4.25%
Term48 Month
Last UpdatedMay 6, 2026
Details
NORTH TOWNS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
New and used Vehicle (Purchase or Refinance) - Model year 2011 or Newer
4.25%
2 years
▼
APR4.25%
Term2 years
Last UpdatedMay 12, 2026
Details
As Low As; as low as...
APR4.25%
Term25-36
Last UpdatedMay 12, 2026
Details
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Used automobile 2021 - 2026
4.29%
72 months
▼
APR4.29%
Term72 months
Last UpdatedMay 7, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
Used Auto Loans - 3-6 years old
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 7, 2026
Details
Grade / Score: A+ / 730+
Triboro Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
Used Car
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 6, 2026
Details
16 - 17
MAMTA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New & Used Cars
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 6, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
Used Autos (2015-2025)
4.50%
54 Month
▼
APR4.50%
Term54 Month
Last UpdatedMay 6, 2026
Details
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
New/Used Auto
4.50%
84 Months
▼
APR4.50%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New & Used Autos
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
Used Auto Loans (2019-2022)
4.74%
1 to 60
▼
APR4.74%
Term1 to 60
Last UpdatedMay 7, 2026
Details
As Low As
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
Used Auto - 2025-2027
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMay 4, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
Used Autos (2015-2025)
4.75%
60 Month
▼
APR4.75%
Term60 Month
Last UpdatedMay 6, 2026
Details
NORTH TOWNS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
New and used Vehicle (Purchase or Refinance) - Model year 2011 or Newer
4.75%
3 years
▼
APR4.75%
Term3 years
Last UpdatedMay 12, 2026
Details
As Low As; as low as...
North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
New/Used Vehicles with Titles
4.83%
2 years
▼
APR4.83%
Term2 years
Last UpdatedMay 7, 2026
Details
As Low As
APR4.99%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
Affinity One Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
Used Auto Loans
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedMay 6, 2026
Details
As Low As
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
Used Auto Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As; For Used Models 2021-2017
Medisys Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
New and Used Automobiles
4.99%
36 Months or Less
▼
APR4.99%
Term36 Months or Less
Last UpdatedMay 7, 2026
Details
As Low As
Medisys Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
Used Automobile Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As; for 60 months
The Heart Center Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.94%
Used Auto
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
Powered by
MonitorBankRates
Albany, NY Auto Loan Rate Trends
Compare local Albany, NY 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
5.645%
▼ 0.008 vs 7 days ago
New York new auto rates fell 0.008 points over the past 7 days to 5.645% APR.
Used Auto Loan — NY Avg
6.615%
▲ 0.142 vs 7 days ago
New York used auto rates rose 0.142 points over the past 7 days to 6.615% APR.
As of May 14, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Albany, 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 Albany, 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 Albany, 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 Albany, New York?
Based on our current data, some of the lowest auto loan rates available in Albany, New York include:
- First New York Federal Credit Union: 3.99% (New Auto Loan: 2021-2027 Model Years)
- Broadview Federal Credit Union: 3.99% (Vehicle Loan)
- ADVANTAGE FINANCIAL: 4.39% (NEW or USED vehicles)
- TrustCo Bank: 4.99% (Auto Loans: New Vehicle)
- Directors Choice Credit Union: 5.25% (New Autos, Light Trucks & Passenger Vans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Albany, New York. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 12, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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