New York Auto Loan Rate Trends
Track current and weekly average auto loan rates in New York, view interactive rate trend charts, and compare local NY aprs against the national average.
Current New York Auto Loan Rate Trends
Auto Loan rates in New York fell 0.008 this week to 5.645%, down from 5.653% last week.
At 5.645%, New York’s average sits 0.056 below the current national average of 5.702%. NY borrowers may have a competitive advantage relative to the national market.
The New York auto loan rate averages on this page are calculated from 949 verified auto loan rate quotes collected across 143 banks and credit unions actively operating in New York. Our proprietary systems collect and verify rates daily — tracking what real licensed institutions are actually quoting to borrowers, not rate sheet estimates.
New York Auto Loan Rate Trends Chart
Daily average rates since March 15, 2026. State data shown where available; national average used as fallback. Hover to see exact rates.
New York auto loan rate averages compiled from 949 current rate quotes across 143 banks and credit unions operating in NY — updated daily.
As of May 14, 2026 • Data provided by MonitorBankRates.com
Historical Auto Loan Rate Trends in New York
Quarterly average rates at credit unions headquartered in New York, 1994–present. Different methodology from the daily chart above — this series reflects portfolio rates self-reported to NCUA each quarter.
Based on reporting credit unions in New York (latest quarter).
Source: MonitorBankRates.com analysis of NCUA Call Report data, 1994–present.
Quarterly weighted averages calculated from credit union rate filings, weighted by loan portfolio balance.
