Auto Loan Rates in Syracuse, New York (NY) for April 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 Syracuse, New York. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Syracuse, New York include BROADVIEWBROADVIEW401 S Salina St, Syracuse, NY, 13202 2584A+5.0 ★Texas Ratio: 0.00% offering Vehicle Loan 2 Year Loan (2023 and Newer) at 3.99%, Solvay BankSolvay Bank109 S Warren St, Syracuse, NY, 13202A+5.0 ★Texas Ratio: 0.79% offering New Auto - 2025-2027 up to 36 months at 4.70%, Syracuse Cooperative Federal Credit UnionSyracuse Cooperative Federal Credit Union800 N SALINA ST STE 200, SYRACUSE, NY, 13208 2513F2.9 ★Texas Ratio: 40.19% offering Auto Loans - Cars, Trucks, and SUVs at 4.75%, The Summit Federal Credit UnionThe Summit Federal Credit Union1400 ERIE BLVD E, SYRACUSE, NY, 13210A+5.0 ★Texas Ratio: 2.45% offering New Auto at 4.90%, AmeriCU Credit UnionAmeriCU Credit Union200 Walton St, Syracuse, NY, 13202 1227A-4.9 ★Texas Ratio: 16.15% offering Auto Loan at 5.24%. Auto loan rates as of April 23, 2026 according to verified data from MonitorBankRates.
Syracuse has 6 local institutions in our database, with auto loan rates as low as 3.99% APR from BROADVIEW at 401 S Salina St, Syracuse, NY, 13202 2584. 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 Syracuse, New York. Auto Loan Rates Last Updated and Verified: April 23, 2026
Compare Auto Loan Rates Today in Syracuse, New York & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
401 S Salina St, Syracuse, NY, 13202 2584
Vehicle Loan 2 Year Loan (2023 and Newer)
3.99%
2 Months
▼
APR3.99%
Term2 Months
Last UpdatedApr 19, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
401 S Salina St, Syracuse, NY, 13202 2584
Vehicle Loan 3 Year Loan (2023 and Newer)
4.24%
3 Months
▼
APR4.24%
Term3 Months
Last UpdatedApr 19, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
401 S Salina St, Syracuse, NY, 13202 2584
Vehicle Loan 4 Year Loan (2023 and Newer)
4.49%
4 Months
▼
APR4.49%
Term4 Months
Last UpdatedApr 19, 2026
Details
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
109 S Warren St, Syracuse, NY, 13202
New Auto - 2025-2027 up to 36 months
4.70%
up to 36 months
▼
APR4.70%
Termup to 36 months
Last UpdatedApr 22, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
401 S Salina St, Syracuse, NY, 13202 2584
Vehicle Loan 5 Year Loan (2023 and Newer)
4.74%
5 Months
▼
APR4.74%
Term5 Months
Last UpdatedApr 19, 2026
Details
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
109 S Warren St, Syracuse, NY, 13202
Used Auto - 2025-2027 up to 36 months
4.75%
up to 36 months
▼
APR4.75%
Termup to 36 months
Last UpdatedApr 22, 2026
Details
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★ Texas Ratio: 40.19%
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 UpdatedApr 18, 2026
Details
As Low As
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY, 13210
New Auto
4.90%
36 Months
▼
APR4.90%
Term36 Months
Last UpdatedApr 17, 2026
Details
Auto Payment
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY, 13210
New Auto
4.95%
48 Months
▼
APR4.95%
Term48 Months
Last UpdatedApr 17, 2026
Details
Auto Payment
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
109 S Warren St, Syracuse, NY, 13202
New Auto - 2025-2027 37 - 66 months
4.97%
66 Months
▼
APR4.97%
Term66 Months
Last UpdatedApr 22, 2026
Details
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★ Texas Ratio: 40.19%
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 UpdatedApr 18, 2026
Details
As Low As
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
401 S Salina St, Syracuse, NY, 13202 2584
Vehicle Loan 6 Year Loan (2023 and Newer)
4.99%
6 Months
▼
APR4.99%
Term6 Months
Last UpdatedApr 19, 2026
Details
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
109 S Warren St, Syracuse, NY, 13202
Used Auto - 2025-2027 37 - 66 months
5.07%
66 Months
▼
APR5.07%
Term66 Months
Last UpdatedApr 22, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY, 13210
New Auto
5.15%
36 Months
▼
APR5.15%
Term36 Months
Last UpdatedApr 17, 2026
Details
Billing
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
109 S Warren St, Syracuse, NY, 13202
New Auto - 2025-2027 67 - 72 months
5.17%
72 Months
▼
APR5.17%
Term72 Months
Last UpdatedApr 22, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY, 13210
New Auto
5.20%
48 Months
▼
APR5.20%
Term48 Months
Last UpdatedApr 17, 2026
Details
Billing
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY, 13210
Used Auto (2018 & newer)
5.20%
36 Months
▼
APR5.20%
Term36 Months
Last UpdatedApr 17, 2026
Details
Auto Payment
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★ Texas Ratio: 40.19%
800 N SALINA ST STE 200, SYRACUSE, NY, 13208 2513
Auto Loans - Cars, Trucks, and SUVs
5.23%
49 to 60 Months
▼
APR5.23%
Term49 to 60 Months
Last UpdatedApr 18, 2026
Details
As Low As
AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
200 Walton St, Syracuse, NY, 13202 1227
Auto Loan
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
109 S Warren St, Syracuse, NY, 13202
Used Auto - 2025-2027 67 - 72 months
5.27%
72 Months
▼
APR5.27%
Term72 Months
Last UpdatedApr 22, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY, 13210
Used Auto (2020 & newer)
5.40%
48 Months
▼
APR5.40%
Term48 Months
Last UpdatedApr 17, 2026
Details
Auto Payment
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
109 S Warren St, Syracuse, NY, 13202
New Auto - 2025-2027 73 - 75 months
5.42%
75 Months
▼
APR5.42%
Term75 Months
Last UpdatedApr 22, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY, 13210
New Auto
5.45%
60 Months
▼
APR5.45%
Term60 Months
Last UpdatedApr 17, 2026
Details
Billing
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY, 13210
Used Auto (2018 & newer)
5.45%
36 Months
▼
APR5.45%
Term36 Months
Last UpdatedApr 17, 2026
Details
Billing
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY, 13210
Used Auto (2021 & newer)
5.45%
60 Months
▼
APR5.45%
Term60 Months
Last UpdatedApr 17, 2026
Details
Auto Payment
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★ Texas Ratio: 40.19%
800 N SALINA ST STE 200, SYRACUSE, NY, 13208 2513
Used Cars and Trucks
5.45%
Up to 12 Months
▼
APR5.45%
TermUp to 12 Months
Last UpdatedApr 18, 2026
Details
As Low As
AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
200 Walton St, Syracuse, NY, 13202 1227
Auto Loan
5.49%
49-60
▼
APR5.49%
Term49-60
Last UpdatedApr 19, 2026
Details
As Low As
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
401 S Salina St, Syracuse, NY, 13202 2584
Vehicle Loan 2 Year Loan (2019-2022)
5.49%
2 Months
▼
APR5.49%
Term2 Months
Last UpdatedApr 19, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
401 S Salina St, Syracuse, NY, 13202 2584
Vehicle Loan 3 Year Loan (2019-2022)
5.49%
3 Months
▼
APR5.49%
Term3 Months
Last UpdatedApr 19, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
401 S Salina St, Syracuse, NY, 13202 2584
Vehicle Loan 7 Year Loan (2023 and Newer)
5.49%
7 Months
▼
APR5.49%
Term7 Months
Last UpdatedApr 19, 2026
Details
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★ Texas Ratio: 40.19%
800 N SALINA ST STE 200, SYRACUSE, NY, 13208 2513
Auto Loans - Cars, Trucks, and SUVs
5.50%
61 to 72 Months
▼
APR5.50%
Term61 to 72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
109 S Warren St, Syracuse, NY, 13202
Used Auto - 2025-2027 73 - 75 months
5.52%
75 Months
▼
APR5.52%
Term75 Months
Last UpdatedApr 22, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY, 13210
Used Auto (2020 & newer)
5.65%
48 Months
▼
APR5.65%
Term48 Months
Last UpdatedApr 17, 2026
Details
Billing
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★ Texas Ratio: 40.19%
800 N SALINA ST STE 200, SYRACUSE, NY, 13208 2513
Used Cars and Trucks
5.69%
37 to 48 Months
▼
APR5.69%
Term37 to 48 Months
Last UpdatedApr 18, 2026
Details
As Low As
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY, 13210
New Auto
5.70%
72 Months
▼
APR5.70%
Term72 Months
Last UpdatedApr 17, 2026
Details
Auto Payment
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY, 13210
Used Auto (2021 & newer)
5.70%
60 Months
▼
APR5.70%
Term60 Months
Last UpdatedApr 17, 2026
Details
Billing
AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
200 Walton St, Syracuse, NY, 13202 1227
Auto Loan
5.74%
61-72
▼
APR5.74%
Term61-72
Last UpdatedApr 19, 2026
Details
As Low As
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
401 S Salina St, Syracuse, NY, 13202 2584
Vehicle Loan 4 Year Loan (2019-2022)
5.74%
4 Months
▼
APR5.74%
Term4 Months
Last UpdatedApr 19, 2026
Details
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★ Texas Ratio: 40.19%
800 N SALINA ST STE 200, SYRACUSE, NY, 13208 2513
Auto Loans - Cars, Trucks, and SUVs
5.79%
73 to 84 Months
▼
APR5.79%
Term73 to 84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
109 S Warren St, Syracuse, NY, 13202
New Auto - 2025-2027 76 - 84 months
5.92%
84 Months
▼
APR5.92%
Term84 Months
Last UpdatedApr 22, 2026
Details
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★ Texas Ratio: 40.19%
800 N SALINA ST STE 200, SYRACUSE, NY, 13208 2513
Used Cars and Trucks
5.93%
49 to 60 Months
▼
APR5.93%
Term49 to 60 Months
Last UpdatedApr 18, 2026
Details
As Low As
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY, 13210
New Auto
5.95%
72 Months
▼
APR5.95%
Term72 Months
Last UpdatedApr 17, 2026
Details
Billing
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY, 13210
Used Auto (2022 & newer)
5.95%
72 Months
▼
APR5.95%
Term72 Months
Last UpdatedApr 17, 2026
Details
Auto Payment
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
401 S Salina St, Syracuse, NY, 13202 2584
Vehicle Loan 5 Year Loan (2019-2022)
5.99%
5 Months
▼
APR5.99%
Term5 Months
Last UpdatedApr 19, 2026
Details
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
109 S Warren St, Syracuse, NY, 13202
Used Auto - 2025-2027 76 - 84 months
6.01%
84 Months
▼
APR6.01%
Term84 Months
Last UpdatedApr 22, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY, 13210
Used Auto (2022 & newer)
6.20%
72 Months
▼
APR6.20%
Term72 Months
Last UpdatedApr 17, 2026
Details
Billing
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★ Texas Ratio: 40.19%
800 N SALINA ST STE 200, SYRACUSE, NY, 13208 2513
Used Cars and Trucks
6.20%
61 to 72 Months
▼
APR6.20%
Term61 to 72 Months
Last UpdatedApr 18, 2026
Details
As Low As
AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
200 Walton St, Syracuse, NY, 13202 1227
Auto Loan
6.24%
73-84
▼
APR6.24%
Term73-84
Last UpdatedApr 19, 2026
Details
As Low As
AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
200 Walton St, Syracuse, NY, 13202 1227
Used Auto Loan
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; Up to 48 months
SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
4727 W Seneca Tpke, Syracuse, NY, 13215 2119
New Vehicles 2026, 2025, 2024 Model Years
6.25%
12 Months
▼
APR6.25%
Term12 Months
Last UpdatedApr 18, 2026
Details
As Low As
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY, 13210
New Auto
6.45%
84 Months
▼
APR6.45%
Term84 Months
Last UpdatedApr 17, 2026
Details
Auto Payment
SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
4727 W Seneca Tpke, Syracuse, NY, 13215 2119
New Vehicles 2026, 2025, 2024 Model Years
6.50%
48 Months
▼
APR6.50%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
4727 W Seneca Tpke, Syracuse, NY, 13215 2119
Used Vehicles 2023-2019 Model Years
6.50%
12 months
▼
APR6.50%
Term12 months
Last UpdatedApr 18, 2026
Details
As Low As
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY, 13210
Used Auto (2024 & newer)
6.60%
84 Months
▼
APR6.60%
Term84 Months
Last UpdatedApr 17, 2026
Details
Auto Payment
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY, 13210
New Auto
6.70%
84 Months
▼
APR6.70%
Term84 Months
Last UpdatedApr 17, 2026
Details
Billing
AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
200 Walton St, Syracuse, NY, 13202 1227
Auto Loan
6.74%
85-96
▼
APR6.74%
Term85-96
Last UpdatedApr 19, 2026
Details
As Low As
SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
4727 W Seneca Tpke, Syracuse, NY, 13215 2119
New Vehicles 2026, 2025, 2024 Model Years
6.75%
60 Months
▼
APR6.75%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY, 13210
Used Auto (2024 & newer)
6.85%
84 Months
▼
APR6.85%
Term84 Months
Last UpdatedApr 17, 2026
Details
Billing
SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
4727 W Seneca Tpke, Syracuse, NY, 13215 2119
Used Vehicles 2023-2019 Model Years
7.00%
48 months
▼
APR7.00%
Term48 months
Last UpdatedApr 18, 2026
Details
As Low As
AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
200 Walton St, Syracuse, NY, 13202 1227
Used Auto Loan
7.24%
72 Months
▼
APR7.24%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; 61-72 months
SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
4727 W Seneca Tpke, Syracuse, NY, 13215 2119
Used Vehicles 2023-2019 Model Years
7.25%
60 months
▼
APR7.25%
Term60 months
Last UpdatedApr 18, 2026
Details
As Low As
SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
4727 W Seneca Tpke, Syracuse, NY, 13215 2119
New Vehicles 2026, 2025, 2024 Model Years
7.50%
72 Months
▼
APR7.50%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
4727 W Seneca Tpke, Syracuse, NY, 13215 2119
Used Vehicles 2023-2019 Model Years
8.00%
72 months
▼
APR8.00%
Term72 months
Last UpdatedApr 18, 2026
Details
As Low As
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
401 S Salina St, Syracuse, NY, 13202 2584
Vehicle Loan 2 Year Loan (2018 and Older)
8.24%
2 Months
▼
APR8.24%
Term2 Months
Last UpdatedApr 19, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
401 S Salina St, Syracuse, NY, 13202 2584
Vehicle Loan 3 Year Loan (2018 and Older)
8.24%
3 Months
▼
APR8.24%
Term3 Months
Last UpdatedApr 19, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
401 S Salina St, Syracuse, NY, 13202 2584
Vehicle Loan 4 Year Loan (2018 and Older)
8.49%
4 Months
▼
APR8.49%
Term4 Months
Last UpdatedApr 19, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
4727 W Seneca Tpke, Syracuse, NY, 13215 2119
Used Vehicles 2018-2016 Model Years
8.50%
12 months
▼
APR8.50%
Term12 months
Last UpdatedApr 18, 2026
Details
As Low As
AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
200 Walton St, Syracuse, NY, 13202 1227
Used Auto Loan
8.74%
84 Months
▼
APR8.74%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; 73-84 months
SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
4727 W Seneca Tpke, Syracuse, NY, 13215 2119
Used Vehicles 2018-2016 Model Years
9.00%
48 months
▼
APR9.00%
Term48 months
Last UpdatedApr 18, 2026
Details
As Low As
AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
200 Walton St, Syracuse, NY, 13202 1227
Auto Loan
9.24%
Up to 24
▼
APR9.24%
TermUp to 24
Last UpdatedApr 19, 2026
Details
As Low As
SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
4727 W Seneca Tpke, Syracuse, NY, 13215 2119
Used Vehicles 2018-2016 Model Years
9.25%
60 months
▼
APR9.25%
Term60 months
Last UpdatedApr 18, 2026
Details
As Low As
AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
200 Walton St, Syracuse, NY, 13202 1227
Auto Loan
9.74%
25-36
▼
APR9.74%
Term25-36
Last UpdatedApr 19, 2026
Details
As Low As
AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
200 Walton St, Syracuse, NY, 13202 1227
Auto Loan
10.24%
37-48
▼
APR10.24%
Term37-48
Last UpdatedApr 19, 2026
Details
As Low As
AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
200 Walton St, Syracuse, NY, 13202 1227
Auto Loan
10.74%
49-60
▼
APR10.74%
Term49-60
Last UpdatedApr 19, 2026
Details
As Low As
AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
200 Walton St, Syracuse, NY, 13202 1227
Used Auto Loans
15.99%
Up to 66 months
▼
APR15.99%
TermUp to 66 months
Last UpdatedApr 19, 2026
Details
As Low As
SUNY Fredonia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
New Vehicle Loans 2024 or Newer (A+, A Credit Scores)
1.90%
1-5 Years
▼
APR1.90%
Term1-5 Years
Last UpdatedApr 18, 2026
Details
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 UpdatedApr 17, 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 UpdatedApr 19, 2026
Details
As Low As; APR - 2026 & Newer
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 UpdatedApr 17, 2026
Details
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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 2026
Details
As Low As
APR3.50%
Term24 months
Last UpdatedApr 19, 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 UpdatedApr 19, 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 UpdatedApr 19, 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 UpdatedApr 18, 2026
Details
As Low As
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 UpdatedApr 18, 2026
Details
As Low As
SUNY Fredonia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
Used or Refi Vehicle Loans 2024 - 2014
3.90%
1-4 Years
▼
APR3.90%
Term1-4 Years
Last UpdatedApr 18, 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 UpdatedApr 17, 2026
Details
18 - 19
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Auto Loans
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As; Rate as low as 3.99% APR for up to 60 months on 2022 and newer vehicles. Rate includes 0.25% Auto Pay discount with automatic payment. Rates and approval based on creditworthiness. No minimum loan amount. Purchase and refinance eligible. Membership required. Offer ends April 30, 2026.
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
New Auto Loan
3.99%
24 months
▼
APR3.99%
Term24 months
Last UpdatedApr 17, 2026
Details
As Low As; Annual Percentage Rate. Competitive Fixed Rates. Financing up to 125% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty for model years 2021-2027. Never owned or previously titled. For terms 72 months or greater, the minimum loan amount of $20,000. APR offered is subject to change and all loans are subject to approval. 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 cars. Actual rate may vary.
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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 2026
Details
As Low As; For New Models 2026-2022
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 UpdatedApr 18, 2026
Details
As Low As
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New automobile
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 19, 2026
Details
As Low As; APR - 2026 & Newer
APR3.99%
Term12-60
Last UpdatedApr 19, 2026
Details
APR3.99%
Term12-24
Last UpdatedApr 19, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
New Autos (2025-2026)
4.00%
36 Month
▼
APR4.00%
Term36 Month
Last UpdatedApr 18, 2026
Details
Up To 100% Financing
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 UpdatedApr 18, 2026
Details
APR4.00%
Term36 months
Last UpdatedApr 19, 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 UpdatedApr 18, 2026
Details
As Low As
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New Vehicle - fixed rate
4.14%
36 Months
▼
APR4.14%
Term36 Months
Last UpdatedApr 18, 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 UpdatedApr 19, 2026
Details
As Low As
APR4.15%
Term48 months
Last UpdatedApr 19, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
New Auto Loan
4.24%
36 months
▼
APR4.24%
Term36 months
Last UpdatedApr 17, 2026
Details
As Low As; Annual Percentage Rate. Competitive Fixed Rates. Financing up to 125% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty for model years 2021-2027. Never owned or previously titled. For terms 72 months or greater, the minimum loan amount of $20,000. APR offered is subject to change and all loans are subject to approval. 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 cars. Actual rate may vary.
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 UpdatedApr 18, 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 UpdatedApr 18, 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
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 19, 2026
Details
APR4.24%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; 2023 - 2026 - 60 months
APR4.24%
Term48 Months
Last UpdatedApr 19, 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%
48 Month
▼
APR4.25%
Term48 Month
Last UpdatedApr 18, 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 UpdatedApr 18, 2026
Details
Up to 100% NADA + Tax + Warranty
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
Auto Loan
4.25%
1-36
▼
APR4.25%
Term1-36
Last UpdatedApr 18, 2026
Details
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
New Vehicles
4.25%
1 - 36
▼
APR4.25%
Term1 - 36
Last UpdatedApr 18, 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 UpdatedApr 18, 2026
Details
As Low As
APR4.25%
Term60 months
Last UpdatedApr 19, 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 Months
▼
APR4.25%
Term2 Months
Last UpdatedApr 19, 2026
Details
As Low As; as low as...
APR4.25%
Term36 Months
Last UpdatedApr 19, 2026
Details
APR4.25%
Term25-36
Last UpdatedApr 19, 2026
Details
APR4.44%
Term48 Months
Last UpdatedApr 19, 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 UpdatedApr 17, 2026
Details
As Low As
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
New Auto Loan
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedApr 17, 2026
Details
As Low As; Annual Percentage Rate. Competitive Fixed Rates. Financing up to 125% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty for model years 2021-2027. Never owned or previously titled. For terms 72 months or greater, the minimum loan amount of $20,000. APR offered is subject to change and all loans are subject to approval. 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 cars. Actual rate may vary.
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 UpdatedApr 18, 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 UpdatedApr 18, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New Vehicle - fixed rate
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 2026
Details
As Low As
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New automobile
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedApr 18, 2026
Details
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Used automobile 2021 - 2026
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedApr 18, 2026
Details
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 UpdatedApr 18, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedApr 19, 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 UpdatedApr 19, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
Auto Loans
4.49%
up to 36 months
▼
APR4.49%
Termup to 36 months
Last UpdatedApr 19, 2026
Details
As Low As; w/ Auto Pay Discount: as low as 4.39%
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
Same rate on NEW or USED vehicles
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
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 UpdatedApr 17, 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 UpdatedApr 17, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
New Autos (2025-2026)
4.50%
54 Month
▼
APR4.50%
Term54 Month
Last UpdatedApr 18, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
Used Autos (2015-2025)
4.50%
36 Month
▼
APR4.50%
Term36 Month
Last UpdatedApr 18, 2026
Details
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars & Used Cars (2026 - 2025, 2024) 36 Months
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedApr 18, 2026
Details
Beacon Score 725+
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars & Used Cars (2026 - 2025, 2024) 48 Months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedApr 18, 2026
Details
Beacon Score 725+
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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 19, 2026
Details
APR4.50%
Term37-48
Last UpdatedApr 19, 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 UpdatedApr 19, 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 UpdatedApr 19, 2026
Details
APR4.64%
Term49-60
Last UpdatedApr 19, 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 UpdatedApr 17, 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 UpdatedApr 17, 2026
Details
As Low As
Actors Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.91%
Auto Loans
4.74%
2-Year
▼
APR4.74%
Term2-Year
Last UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 2026
Details
As Low As
APR4.74%
Term61-75
Last UpdatedApr 19, 2026
Details
As Low As; 2025 & newer
Gowanda Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2022 and older vehicles
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As
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 UpdatedApr 18, 2026
Details
As Low As
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
New Autos (2025-2026)
4.75%
60 Month
▼
APR4.75%
Term60 Month
Last UpdatedApr 18, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
Used Autos (2015-2025)
4.75%
48 Month
▼
APR4.75%
Term48 Month
Last UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 2026
Details
As Low As
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
Auto Loan
4.75%
1-36
▼
APR4.75%
Term1-36
Last UpdatedApr 18, 2026
Details
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
New Vehicles
4.75%
1 - 36
▼
APR4.75%
Term1 - 36
Last UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 19, 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 Months
▼
APR4.75%
Term3 Months
Last UpdatedApr 19, 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 UpdatedApr 19, 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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedApr 17, 2026
Details
As Low As
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
Auto Loan
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Auto Loan
4.89%
60 Months
▼
APR4.89%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
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 UpdatedApr 18, 2026
Details
SUNY Fredonia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
Used or Refi Vehicle Loans
4.90%
5-6 Years
▼
APR4.90%
Term5-6 Years
Last UpdatedApr 18, 2026
Details
As Low As
BUFFALO CONRAIL
Institution Rating:
B+4.7 ★ Texas Ratio: 18.78%
Auto Loans 2026 - 24
4.90%
84 Months
▼
APR4.90%
Term84 Months
Last UpdatedApr 19, 2026
Details
APR4.94%
Term61-75
Last UpdatedApr 19, 2026
Details
As Low As; 2024 & Older
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 UpdatedApr 18, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedApr 23, 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 UpdatedApr 17, 2026
Details
As Low As
APR4.99%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As
First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.13%
Auto Loan
4.99%
12 Months
▼
APR4.99%
Term12 Months
Last UpdatedApr 17, 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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 2026
Details
As Low As
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
Auto Loan
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
401 S Salina St, Syracuse, NY, 13202 2584
Vehicle Loan 2 Year Loan (2023 and Newer)
3.99%
2 Months
▼
APR3.99%
Term2 Months
Last UpdatedApr 19, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
401 S Salina St, Syracuse, NY, 13202 2584
Vehicle Loan 3 Year Loan (2023 and Newer)
4.24%
3 Months
▼
APR4.24%
Term3 Months
Last UpdatedApr 19, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
401 S Salina St, Syracuse, NY, 13202 2584
Vehicle Loan 4 Year Loan (2023 and Newer)
4.49%
4 Months
▼
APR4.49%
Term4 Months
Last UpdatedApr 19, 2026
Details
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
109 S Warren St, Syracuse, NY, 13202
New Auto - 2025-2027 up to 36 months
4.70%
up to 36 months
▼
APR4.70%
Termup to 36 months
Last UpdatedApr 22, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
401 S Salina St, Syracuse, NY, 13202 2584
Vehicle Loan 5 Year Loan (2023 and Newer)
4.74%
5 Months
▼
APR4.74%
Term5 Months
Last UpdatedApr 19, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY, 13210
New Auto
4.90%
36 Months
▼
APR4.90%
Term36 Months
Last UpdatedApr 17, 2026
Details
Auto Payment
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY, 13210
New Auto
4.95%
48 Months
▼
APR4.95%
Term48 Months
Last UpdatedApr 17, 2026
Details
Auto Payment
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
109 S Warren St, Syracuse, NY, 13202
New Auto - 2025-2027 37 - 66 months
4.97%
66 Months
▼
APR4.97%
Term66 Months
Last UpdatedApr 22, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
401 S Salina St, Syracuse, NY, 13202 2584
Vehicle Loan 6 Year Loan (2023 and Newer)
4.99%
6 Months
▼
APR4.99%
Term6 Months
Last UpdatedApr 19, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY, 13210
New Auto
5.15%
36 Months
▼
APR5.15%
Term36 Months
Last UpdatedApr 17, 2026
Details
Billing
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
109 S Warren St, Syracuse, NY, 13202
New Auto - 2025-2027 67 - 72 months
5.17%
72 Months
▼
APR5.17%
Term72 Months
Last UpdatedApr 22, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY, 13210
New Auto
5.20%
48 Months
▼
APR5.20%
Term48 Months
Last UpdatedApr 17, 2026
Details
Billing
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY, 13210
Used Auto (2018 & newer)
5.20%
36 Months
▼
APR5.20%
Term36 Months
Last UpdatedApr 17, 2026
Details
Auto Payment
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY, 13210
Used Auto (2020 & newer)
5.40%
48 Months
▼
APR5.40%
Term48 Months
Last UpdatedApr 17, 2026
Details
Auto Payment
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
109 S Warren St, Syracuse, NY, 13202
New Auto - 2025-2027 73 - 75 months
5.42%
75 Months
▼
APR5.42%
Term75 Months
Last UpdatedApr 22, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY, 13210
New Auto
5.45%
60 Months
▼
APR5.45%
Term60 Months
Last UpdatedApr 17, 2026
Details
Billing
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY, 13210
Used Auto (2018 & newer)
5.45%
36 Months
▼
APR5.45%
Term36 Months
Last UpdatedApr 17, 2026
Details
Billing
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY, 13210
Used Auto (2021 & newer)
5.45%
60 Months
▼
APR5.45%
Term60 Months
Last UpdatedApr 17, 2026
Details
Auto Payment
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
401 S Salina St, Syracuse, NY, 13202 2584
Vehicle Loan 7 Year Loan (2023 and Newer)
5.49%
7 Months
▼
APR5.49%
Term7 Months
Last UpdatedApr 19, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY, 13210
Used Auto (2020 & newer)
5.65%
48 Months
▼
APR5.65%
Term48 Months
Last UpdatedApr 17, 2026
Details
Billing
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY, 13210
New Auto
5.70%
72 Months
▼
APR5.70%
Term72 Months
Last UpdatedApr 17, 2026
Details
Auto Payment
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY, 13210
Used Auto (2021 & newer)
5.70%
60 Months
▼
APR5.70%
Term60 Months
Last UpdatedApr 17, 2026
Details
Billing
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
109 S Warren St, Syracuse, NY, 13202
New Auto - 2025-2027 76 - 84 months
5.92%
84 Months
▼
APR5.92%
Term84 Months
Last UpdatedApr 22, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY, 13210
New Auto
5.95%
72 Months
▼
APR5.95%
Term72 Months
Last UpdatedApr 17, 2026
Details
Billing
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY, 13210
Used Auto (2022 & newer)
5.95%
72 Months
▼
APR5.95%
Term72 Months
Last UpdatedApr 17, 2026
Details
Auto Payment
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY, 13210
Used Auto (2022 & newer)
6.20%
72 Months
▼
APR6.20%
Term72 Months
Last UpdatedApr 17, 2026
Details
Billing
SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
4727 W Seneca Tpke, Syracuse, NY, 13215 2119
New Vehicles 2026, 2025, 2024 Model Years
6.25%
12 Months
▼
APR6.25%
Term12 Months
Last UpdatedApr 18, 2026
Details
As Low As
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY, 13210
New Auto
6.45%
84 Months
▼
APR6.45%
Term84 Months
Last UpdatedApr 17, 2026
Details
Auto Payment
SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
4727 W Seneca Tpke, Syracuse, NY, 13215 2119
New Vehicles 2026, 2025, 2024 Model Years
6.50%
48 Months
▼
APR6.50%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY, 13210
Used Auto (2024 & newer)
6.60%
84 Months
▼
APR6.60%
Term84 Months
Last UpdatedApr 17, 2026
Details
Auto Payment
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY, 13210
New Auto
6.70%
84 Months
▼
APR6.70%
Term84 Months
Last UpdatedApr 17, 2026
Details
Billing
SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
4727 W Seneca Tpke, Syracuse, NY, 13215 2119
New Vehicles 2026, 2025, 2024 Model Years
6.75%
60 Months
▼
APR6.75%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY, 13210
Used Auto (2024 & newer)
6.85%
84 Months
▼
APR6.85%
Term84 Months
Last UpdatedApr 17, 2026
Details
Billing
SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
4727 W Seneca Tpke, Syracuse, NY, 13215 2119
New Vehicles 2026, 2025, 2024 Model Years
7.50%
72 Months
▼
APR7.50%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
SUNY Fredonia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
New Vehicle Loans 2024 or Newer (A+, A Credit Scores)
1.90%
1-5 Years
▼
APR1.90%
Term1-5 Years
Last UpdatedApr 18, 2026
Details
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 UpdatedApr 17, 2026
Details
20 - 21
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 UpdatedApr 17, 2026
Details
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 UpdatedApr 18, 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 UpdatedApr 18, 2026
Details
As Low As
APR3.50%
Term24 months
Last UpdatedApr 19, 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 UpdatedApr 19, 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 UpdatedApr 18, 2026
Details
As Low As
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 UpdatedApr 18, 2026
Details
As Low As
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
New Auto Loan
3.99%
24 months
▼
APR3.99%
Term24 months
Last UpdatedApr 17, 2026
Details
As Low As; Annual Percentage Rate. Competitive Fixed Rates. Financing up to 125% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty for model years 2021-2027. Never owned or previously titled. For terms 72 months or greater, the minimum loan amount of $20,000. APR offered is subject to change and all loans are subject to approval. 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 cars. Actual rate may vary.
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 UpdatedApr 18, 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 UpdatedApr 18, 2026
Details
As Low As; For New Models 2026-2022
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 UpdatedApr 18, 2026
Details
As Low As
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New automobile
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedApr 18, 2026
Details
APR3.99%
Term12-60
Last UpdatedApr 19, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
New Autos (2025-2026)
4.00%
36 Month
▼
APR4.00%
Term36 Month
Last UpdatedApr 18, 2026
Details
Up To 100% Financing
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 UpdatedApr 18, 2026
Details
APR4.00%
Term36 months
Last UpdatedApr 19, 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 UpdatedApr 18, 2026
Details
As Low As
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New Vehicle - fixed rate
4.14%
36 Months
▼
APR4.14%
Term36 Months
Last UpdatedApr 18, 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 UpdatedApr 19, 2026
Details
As Low As
APR4.15%
Term48 months
Last UpdatedApr 19, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
New Auto Loan
4.24%
36 months
▼
APR4.24%
Term36 months
Last UpdatedApr 17, 2026
Details
As Low As; Annual Percentage Rate. Competitive Fixed Rates. Financing up to 125% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty for model years 2021-2027. Never owned or previously titled. For terms 72 months or greater, the minimum loan amount of $20,000. APR offered is subject to change and all loans are subject to approval. 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 cars. Actual rate may vary.
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 UpdatedApr 18, 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 UpdatedApr 18, 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
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 2026
Details
As Low As
APR4.24%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; 2023 - 2026 - 60 months
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
New Autos (2025-2026)
4.25%
48 Month
▼
APR4.25%
Term48 Month
Last UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 2026
Details
As Low As
APR4.25%
Term60 months
Last UpdatedApr 19, 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 Months
▼
APR4.25%
Term2 Months
Last UpdatedApr 19, 2026
Details
As Low As; as low as...
APR4.25%
Term36 Months
Last UpdatedApr 19, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
New Auto Loan
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedApr 17, 2026
Details
As Low As; Annual Percentage Rate. Competitive Fixed Rates. Financing up to 125% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty for model years 2021-2027. Never owned or previously titled. For terms 72 months or greater, the minimum loan amount of $20,000. APR offered is subject to change and all loans are subject to approval. 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 cars. Actual rate may vary.
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 UpdatedApr 18, 2026
Details
As Low As
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New Vehicle - fixed rate
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 2026
Details
As Low As
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New automobile
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedApr 18, 2026
Details
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 UpdatedApr 18, 2026
Details
As Low As
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
Same rate on NEW or USED vehicles
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 19, 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 UpdatedApr 17, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
New Autos (2025-2026)
4.50%
54 Month
▼
APR4.50%
Term54 Month
Last UpdatedApr 18, 2026
Details
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars & Used Cars (2026 - 2025, 2024) 36 Months
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedApr 18, 2026
Details
Beacon Score 725+
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars & Used Cars (2026 - 2025, 2024) 48 Months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedApr 18, 2026
Details
Beacon Score 725+
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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 2026
Details
As Low As
APR4.50%
Term37-48
Last UpdatedApr 19, 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 UpdatedApr 19, 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 UpdatedApr 19, 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 UpdatedApr 18, 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 UpdatedApr 18, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
New Autos (2025-2026)
4.75%
60 Month
▼
APR4.75%
Term60 Month
Last UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 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 Months
▼
APR4.75%
Term3 Months
Last UpdatedApr 19, 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 UpdatedApr 19, 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 UpdatedApr 18, 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 UpdatedApr 18, 2026
Details
As Low As
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 UpdatedApr 18, 2026
Details
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 UpdatedApr 18, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedApr 23, 2026
Details
APR4.99%
Term48 Months
Last UpdatedApr 17, 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 UpdatedApr 18, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
109 S Warren St, Syracuse, NY, 13202
Used Auto - 2025-2027 up to 36 months
4.75%
up to 36 months
▼
APR4.75%
Termup to 36 months
Last UpdatedApr 22, 2026
Details
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
109 S Warren St, Syracuse, NY, 13202
Used Auto - 2025-2027 37 - 66 months
5.07%
66 Months
▼
APR5.07%
Term66 Months
Last UpdatedApr 22, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY, 13210
Used Auto (2018 & newer)
5.20%
36 Months
▼
APR5.20%
Term36 Months
Last UpdatedApr 17, 2026
Details
Auto Payment
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
109 S Warren St, Syracuse, NY, 13202
Used Auto - 2025-2027 67 - 72 months
5.27%
72 Months
▼
APR5.27%
Term72 Months
Last UpdatedApr 22, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY, 13210
Used Auto (2020 & newer)
5.40%
48 Months
▼
APR5.40%
Term48 Months
Last UpdatedApr 17, 2026
Details
Auto Payment
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY, 13210
Used Auto (2018 & newer)
5.45%
36 Months
▼
APR5.45%
Term36 Months
Last UpdatedApr 17, 2026
Details
Billing
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY, 13210
Used Auto (2021 & newer)
5.45%
60 Months
▼
APR5.45%
Term60 Months
Last UpdatedApr 17, 2026
Details
Auto Payment
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★ Texas Ratio: 40.19%
800 N SALINA ST STE 200, SYRACUSE, NY, 13208 2513
Used Cars and Trucks
5.45%
Up to 12 Months
▼
APR5.45%
TermUp to 12 Months
Last UpdatedApr 18, 2026
Details
As Low As
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
109 S Warren St, Syracuse, NY, 13202
Used Auto - 2025-2027 73 - 75 months
5.52%
75 Months
▼
APR5.52%
Term75 Months
Last UpdatedApr 22, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY, 13210
Used Auto (2020 & newer)
5.65%
48 Months
▼
APR5.65%
Term48 Months
Last UpdatedApr 17, 2026
Details
Billing
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★ Texas Ratio: 40.19%
800 N SALINA ST STE 200, SYRACUSE, NY, 13208 2513
Used Cars and Trucks
5.69%
37 to 48 Months
▼
APR5.69%
Term37 to 48 Months
Last UpdatedApr 18, 2026
Details
As Low As
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY, 13210
Used Auto (2021 & newer)
5.70%
60 Months
▼
APR5.70%
Term60 Months
Last UpdatedApr 17, 2026
Details
Billing
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★ Texas Ratio: 40.19%
800 N SALINA ST STE 200, SYRACUSE, NY, 13208 2513
Used Cars and Trucks
5.93%
49 to 60 Months
▼
APR5.93%
Term49 to 60 Months
Last UpdatedApr 18, 2026
Details
As Low As
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY, 13210
Used Auto (2022 & newer)
5.95%
72 Months
▼
APR5.95%
Term72 Months
Last UpdatedApr 17, 2026
Details
Auto Payment
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
109 S Warren St, Syracuse, NY, 13202
Used Auto - 2025-2027 76 - 84 months
6.01%
84 Months
▼
APR6.01%
Term84 Months
Last UpdatedApr 22, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY, 13210
Used Auto (2022 & newer)
6.20%
72 Months
▼
APR6.20%
Term72 Months
Last UpdatedApr 17, 2026
Details
Billing
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★ Texas Ratio: 40.19%
800 N SALINA ST STE 200, SYRACUSE, NY, 13208 2513
Used Cars and Trucks
6.20%
61 to 72 Months
▼
APR6.20%
Term61 to 72 Months
Last UpdatedApr 18, 2026
Details
As Low As
AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
200 Walton St, Syracuse, NY, 13202 1227
Used Auto Loan
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; Up to 48 months
SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
4727 W Seneca Tpke, Syracuse, NY, 13215 2119
Used Vehicles 2023-2019 Model Years
6.50%
12 months
▼
APR6.50%
Term12 months
Last UpdatedApr 18, 2026
Details
As Low As
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY, 13210
Used Auto (2024 & newer)
6.60%
84 Months
▼
APR6.60%
Term84 Months
Last UpdatedApr 17, 2026
Details
Auto Payment
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
1400 ERIE BLVD E, SYRACUSE, NY, 13210
Used Auto (2024 & newer)
6.85%
84 Months
▼
APR6.85%
Term84 Months
Last UpdatedApr 17, 2026
Details
Billing
SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
4727 W Seneca Tpke, Syracuse, NY, 13215 2119
Used Vehicles 2023-2019 Model Years
7.00%
48 months
▼
APR7.00%
Term48 months
Last UpdatedApr 18, 2026
Details
As Low As
AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
200 Walton St, Syracuse, NY, 13202 1227
Used Auto Loan
7.24%
72 Months
▼
APR7.24%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; 61-72 months
SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
4727 W Seneca Tpke, Syracuse, NY, 13215 2119
Used Vehicles 2023-2019 Model Years
7.25%
60 months
▼
APR7.25%
Term60 months
Last UpdatedApr 18, 2026
Details
As Low As
SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
4727 W Seneca Tpke, Syracuse, NY, 13215 2119
Used Vehicles 2023-2019 Model Years
8.00%
72 months
▼
APR8.00%
Term72 months
Last UpdatedApr 18, 2026
Details
As Low As
SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
4727 W Seneca Tpke, Syracuse, NY, 13215 2119
Used Vehicles 2018-2016 Model Years
8.50%
12 months
▼
APR8.50%
Term12 months
Last UpdatedApr 18, 2026
Details
As Low As
AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
200 Walton St, Syracuse, NY, 13202 1227
Used Auto Loan
8.74%
84 Months
▼
APR8.74%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; 73-84 months
SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
4727 W Seneca Tpke, Syracuse, NY, 13215 2119
Used Vehicles 2018-2016 Model Years
9.00%
48 months
▼
APR9.00%
Term48 months
Last UpdatedApr 18, 2026
Details
As Low As
SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
4727 W Seneca Tpke, Syracuse, NY, 13215 2119
Used Vehicles 2018-2016 Model Years
9.25%
60 months
▼
APR9.25%
Term60 months
Last UpdatedApr 18, 2026
Details
As Low As
AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
200 Walton St, Syracuse, NY, 13202 1227
Used Auto Loans
15.99%
Up to 66 months
▼
APR15.99%
TermUp to 66 months
Last UpdatedApr 19, 2026
Details
As Low As
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 UpdatedApr 17, 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 UpdatedApr 18, 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 UpdatedApr 19, 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 UpdatedApr 18, 2026
Details
As Low As
SUNY Fredonia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
Used or Refi Vehicle Loans 2024 - 2014
3.90%
1-4 Years
▼
APR3.90%
Term1-4 Years
Last UpdatedApr 18, 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 UpdatedApr 17, 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 UpdatedApr 18, 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 UpdatedApr 18, 2026
Details
APR3.99%
Term12-24
Last UpdatedApr 19, 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 UpdatedApr 18, 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 UpdatedApr 18, 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
4.25%
2 Months
▼
APR4.25%
Term2 Months
Last UpdatedApr 19, 2026
Details
As Low As; as low as...
APR4.25%
Term25-36
Last UpdatedApr 19, 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 UpdatedApr 18, 2026
Details
Grade / Score: A+ / 730+
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Used automobile 2021 - 2026
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedApr 18, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
Same rate on NEW or USED vehicles
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
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 UpdatedApr 17, 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 UpdatedApr 17, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
Used Autos (2015-2025)
4.50%
36 Month
▼
APR4.50%
Term36 Month
Last UpdatedApr 18, 2026
Details
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars & Used Cars (2026 - 2025, 2024) 36 Months
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedApr 18, 2026
Details
Beacon Score 725+
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars & Used Cars (2026 - 2025, 2024) 48 Months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedApr 18, 2026
Details
Beacon Score 725+
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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 2026
Details
As Low As
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
Used Autos (2015-2025)
4.75%
48 Month
▼
APR4.75%
Term48 Month
Last UpdatedApr 18, 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 Months
▼
APR4.75%
Term3 Months
Last UpdatedApr 19, 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 UpdatedApr 18, 2026
Details
As Low As
SUNY Fredonia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
Used or Refi Vehicle Loans
4.90%
5-6 Years
▼
APR4.90%
Term5-6 Years
Last UpdatedApr 18, 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 UpdatedApr 18, 2026
Details
As Low As
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MonitorBankRates
Syracuse, NY Auto Loan Rate Trends
Compare local Syracuse, 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
5.533%
▼ 0.129 vs 7 days ago
New York new auto rates fell 0.129 points over the past 7 days to 5.533% APR.
Used Auto Loan — NY Avg
6.551%
▼ 0.037 vs 7 days ago
New York used auto rates fell 0.037 points over the past 7 days to 6.551% APR.
As of Apr 23, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Syracuse, 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 Syracuse, 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 Syracuse, 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 Syracuse, New York?
Based on our current data, some of the lowest auto loan rates available in Syracuse, New York include:
- BROADVIEW: 3.99% (Vehicle Loan 2 Year Loan (2023 and Newer))
- Solvay Bank: 4.70% (New Auto - 2025-2027 up to 36 months)
- Syracuse Cooperative Federal Credit Union: 4.75% (Auto Loans - Cars, Trucks, and SUVs)
- The Summit Federal Credit Union: 4.90% (New Auto)
- AmeriCU Credit Union: 5.24% (Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Syracuse, New York. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 23, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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