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Utica, New York Best Auto Loan Rates - September 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Utica, New York. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Utica, New York include First Source Federal Credit UnionFirst Source Federal Credit Union1634 Genesee St, Utica, NY, 13502 5428A5.0 ★Texas Ratio: 6.10% offering Vehicles & Motorcycles - 12 Month Loan at 4.24%, Mohawk Valley Federal Credit UnionMohawk Valley Federal Credit Union207 Genesee St, Utica, NY, 13501A+5.0 ★Texas Ratio: 2.49% offering New Auto Loans (2 Years Old & Newer) - A+ (730 at 4.24%, ONEIDA COUNTYONEIDA COUNTY800 Park Ave, Utica, NY, 13501A+5.0 ★Texas Ratio: 0.38% offering New Automobile at 4.25%, GPO Federal Credit UnionGPO Federal Credit Union301 Bleecker St, Utica, NY, 13501A+5.0 ★Texas Ratio: 1.86% offering New Auto Loans at 4.49%, Utica District Telephone Employees Federal Credit UnionUtica District Telephone Employees Federal Credit Union2812 GENESEE ST, UTICA, NY, 13502A+5.0 ★Texas Ratio: 0.82% offering Vehicle Loan at 4.75%. Auto loan rates as of September 22, 2026 according to verified data from MonitorBankRates.
Utica has 8 local institutions in our database, with auto loan rates as low as 4.24% APR from First Source Federal Credit Union at 1634 Genesee St, Utica, NY, 13502 5428. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Utica, New York. Auto Loan Rates Last Updated and Verified: September 22, 2026
Compare Auto Loan Rates Today in Utica, New York & Surrounding Area
Utica Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.10%
1634 Genesee St, Utica, NY, 13502 5428
Vehicles & Motorcycles - 12 Month Loan
4.24%
12 Month
▼
APR4.24%
Term12 Month
Last UpdatedSep 16, 2026
Details
As Low As
First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.10%
1634 Genesee St, Utica, NY, 13502 5428
Vehicles & Motorcycles - 24 Month Loan
4.24%
24 Month
▼
APR4.24%
Term24 Month
Last UpdatedSep 16, 2026
Details
As Low As
First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.10%
1634 Genesee St, Utica, NY, 13502 5428
Vehicles & Motorcycles - 36 Month Loan
4.24%
36 Month
▼
APR4.24%
Term36 Month
Last UpdatedSep 16, 2026
Details
As Low As
First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.10%
1634 Genesee St, Utica, NY, 13502 5428
Vehicles & Motorcycles - 48 Month Loan
4.24%
48 Month
▼
APR4.24%
Term48 Month
Last UpdatedSep 16, 2026
Details
As Low As
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
New Auto Loans (2 Years Old & Newer) - A+ (730
4.24%
Up to 48 Months
▼
APR4.24%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details
New Auto Loans (2 Years Old & Newer)
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
800 Park Ave, Utica, NY, 13501
New Automobile
4.25%
36 months
▼
APR4.25%
Term36 months
Last UpdatedSep 22, 2026
Details
First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.10%
1634 Genesee St, Utica, NY, 13502 5428
Vehicles & Motorcycles - 60 Month Loan
4.49%
60 Month
▼
APR4.49%
Term60 Month
Last UpdatedSep 16, 2026
Details
As Low As
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
New Auto Loans (2 Years Old & Newer) - A+ (730
4.49%
2 Years
▼
APR4.49%
Term2 Years
Last UpdatedSep 21, 2026
Details
New Auto Loans (2 Years Old & Newer)
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Auto Loans (3 to 6 Years Old) - A+ (730
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details
Credit Grade / Score: A+ (730+)
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
301 Bleecker St, Utica, NY, 13501
New Auto Loans
4.49%
1 to 60 months
▼
APR4.49%
Term1 to 60 months
Last UpdatedSep 21, 2026
Details
Model Year: 2023 - 2027
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
800 Park Ave, Utica, NY, 13501
New Automobile
4.50%
37-48 months
▼
APR4.50%
Term37-48 months
Last UpdatedSep 22, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
New Auto Loans (2 Years Old & Newer) - A (680-729)
4.74%
Up to 48 Months
▼
APR4.74%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details
New Auto Loans (2 Years Old & Newer)
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
301 Bleecker St, Utica, NY, 13501
New Auto Loans
4.74%
61 to 66 months
▼
APR4.74%
Term61 to 66 months
Last UpdatedSep 21, 2026
Details
Model Year: 2023 - 2027
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
4.75%
24 months
▼
APR4.75%
Term24 months
Last UpdatedSep 21, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedSep 21, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
4.75%
48 months
▼
APR4.75%
Term48 months
Last UpdatedSep 21, 2026
Details
First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.10%
1634 Genesee St, Utica, NY, 13502 5428
Vehicles & Motorcycles - 12 Month Loan
4.99%
12 Month
▼
APR4.99%
Term12 Month
Last UpdatedSep 16, 2026
Details
As Low As
First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.10%
1634 Genesee St, Utica, NY, 13502 5428
Vehicles & Motorcycles - 24 Month Loan
4.99%
24 Month
▼
APR4.99%
Term24 Month
Last UpdatedSep 16, 2026
Details
As Low As
First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.10%
1634 Genesee St, Utica, NY, 13502 5428
Vehicles & Motorcycles - 36 Month Loan
4.99%
36 Month
▼
APR4.99%
Term36 Month
Last UpdatedSep 16, 2026
Details
As Low As
First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.10%
1634 Genesee St, Utica, NY, 13502 5428
Vehicles & Motorcycles - 48 Month Loan
4.99%
48 Month
▼
APR4.99%
Term48 Month
Last UpdatedSep 16, 2026
Details
As Low As
First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.10%
1634 Genesee St, Utica, NY, 13502 5428
Vehicles & Motorcycles - 72 Month Loan
4.99%
72 Month
▼
APR4.99%
Term72 Month
Last UpdatedSep 16, 2026
Details
As Low As
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
New Auto Loans (2 Years Old & Newer) - A (680-729)
4.99%
2 Years
▼
APR4.99%
Term2 Years
Last UpdatedSep 21, 2026
Details
New Auto Loans (2 Years Old & Newer)
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
New Auto Loans (2 Years Old & Newer) - A+ (730
4.99%
2 Years
▼
APR4.99%
Term2 Years
Last UpdatedSep 21, 2026
Details
New Auto Loans (2 Years Old & Newer)
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
301 Bleecker St, Utica, NY, 13501
New Auto Loans
4.99%
67 to 72 months
▼
APR4.99%
Term67 to 72 months
Last UpdatedSep 21, 2026
Details
Model Year: 2023 - 2027
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
5.00%
24 months
▼
APR5.00%
Term24 months
Last UpdatedSep 21, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
5.00%
36 months
▼
APR5.00%
Term36 months
Last UpdatedSep 21, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
5.00%
48 months
▼
APR5.00%
Term48 months
Last UpdatedSep 21, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
5.00%
60 months
▼
APR5.00%
Term60 months
Last UpdatedSep 21, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
5.00%
24 months
▼
APR5.00%
Term24 months
Last UpdatedSep 21, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
5.00%
36 months
▼
APR5.00%
Term36 months
Last UpdatedSep 21, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
5.00%
48 months
▼
APR5.00%
Term48 months
Last UpdatedSep 21, 2026
Details
First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.10%
1634 Genesee St, Utica, NY, 13502 5428
Vehicles & Motorcycles - 60 Month Loan
5.24%
60 Month
▼
APR5.24%
Term60 Month
Last UpdatedSep 16, 2026
Details
As Low As
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Auto Loans (3 to 6 Years Old) - A+ (730
5.24%
6 Years
▼
APR5.24%
Term6 Years
Last UpdatedSep 21, 2026
Details
Credit Grade / Score: A+ (730+)
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
301 Bleecker St, Utica, NY, 13501
Used Auto Loans (2019-2022)
5.24%
1 to 60 months
▼
APR5.24%
Term1 to 60 months
Last UpdatedSep 21, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
5.25%
60 months
▼
APR5.25%
Term60 months
Last UpdatedSep 21, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
5.25%
72 months
▼
APR5.25%
Term72 months
Last UpdatedSep 21, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
5.25%
24 months
▼
APR5.25%
Term24 months
Last UpdatedSep 21, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
5.25%
36 months
▼
APR5.25%
Term36 months
Last UpdatedSep 21, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
5.25%
48 months
▼
APR5.25%
Term48 months
Last UpdatedSep 21, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
5.25%
60 months
▼
APR5.25%
Term60 months
Last UpdatedSep 21, 2026
Details
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
800 Park Ave, Utica, NY, 13501
New Automobile
5.25%
49-84 months
▼
APR5.25%
Term49-84 months
Last UpdatedSep 22, 2026
Details
First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.10%
1634 Genesee St, Utica, NY, 13502 5428
Vehicles & Motorcycles - 84 Month Loan
5.49%
84 Month
▼
APR5.49%
Term84 Month
Last UpdatedSep 16, 2026
Details
As Low As
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
New Auto Loans (2 Years Old & Newer) - A (680-729)
5.49%
2 Years
▼
APR5.49%
Term2 Years
Last UpdatedSep 21, 2026
Details
New Auto Loans (2 Years Old & Newer)
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Auto Loans (3 to 6 Years Old) - A (680-729)
5.49%
Up to 48 Months
▼
APR5.49%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details
Credit Grade / Score: A (680-729)
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
301 Bleecker St, Utica, NY, 13501
Used Auto Loans (2019-2022)
5.49%
24 to 60 months
▼
APR5.49%
Term24 to 60 months
Last UpdatedSep 21, 2026
Details
As Low As; *
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
301 Bleecker St, Utica, NY, 13501
Used Auto Loans (2019-2022)
5.49%
12 to 36 months
▼
APR5.49%
Term12 to 36 months
Last UpdatedSep 21, 2026
Details
As Low As; *
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
5.50%
72 months
▼
APR5.50%
Term72 months
Last UpdatedSep 21, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
5.50%
84 months
▼
APR5.50%
Term84 months
Last UpdatedSep 21, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
5.50%
60 months
▼
APR5.50%
Term60 months
Last UpdatedSep 21, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
5.50%
72 months
▼
APR5.50%
Term72 months
Last UpdatedSep 21, 2026
Details
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
800 Park Ave, Utica, NY, 13501
Used Automobile (2014 or newer)
5.50%
36 months
▼
APR5.50%
Term36 months
Last UpdatedSep 22, 2026
Details
First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.10%
1634 Genesee St, Utica, NY, 13502 5428
Vehicles & Motorcycles - 72 Month Loan
5.74%
72 Month
▼
APR5.74%
Term72 Month
Last UpdatedSep 16, 2026
Details
As Low As
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Auto Loans (3 to 6 Years Old) - A (680-729)
5.74%
6 Years
▼
APR5.74%
Term6 Years
Last UpdatedSep 21, 2026
Details
Credit Grade / Score: A (680-729)
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Auto Loans (3 to 6 Years Old) - A+ (730
5.74%
6 Years
▼
APR5.74%
Term6 Years
Last UpdatedSep 21, 2026
Details
Credit Grade / Score: A+ (730+)
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
301 Bleecker St, Utica, NY, 13501
New Auto Loans
5.74%
73 to 84 months**
▼
APR5.74%
Term73 to 84 months**
Last UpdatedSep 21, 2026
Details
Model Year: 2023 - 2027
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
5.75%
84 months
▼
APR5.75%
Term84 months
Last UpdatedSep 21, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
5.75%
72 months
▼
APR5.75%
Term72 months
Last UpdatedSep 21, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
New Auto Loans (2 Years Old & Newer) - A+ (730
5.75%
2 Years
▼
APR5.75%
Term2 Years
Last UpdatedSep 21, 2026
Details
New Auto Loans (2 Years Old & Newer)
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
800 Park Ave, Utica, NY, 13501
Used Automobile (2014 or newer)
5.75%
37-48 months
▼
APR5.75%
Term37-48 months
Last UpdatedSep 22, 2026
Details
First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.10%
1634 Genesee St, Utica, NY, 13502 5428
Recreational Use Vehicles - 12 Month Loan
5.99%
12 Month
▼
APR5.99%
Term12 Month
Last UpdatedSep 16, 2026
Details
As Low As
First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.10%
1634 Genesee St, Utica, NY, 13502 5428
Recreational Use Vehicles - 24 Month Loan
5.99%
24 Month
▼
APR5.99%
Term24 Month
Last UpdatedSep 16, 2026
Details
As Low As
First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.10%
1634 Genesee St, Utica, NY, 13502 5428
Recreational Use Vehicles - 36 Month Loan
5.99%
36 Month
▼
APR5.99%
Term36 Month
Last UpdatedSep 16, 2026
Details
As Low As
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
301 Bleecker St, Utica, NY, 13501
Used Auto Loans (2019-2022)
5.99%
61 to 66 months
▼
APR5.99%
Term61 to 66 months
Last UpdatedSep 21, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
301 Bleecker St, Utica, NY, 13501
Used Auto Loans (2019-2022)
5.99%
61 to 72 months
▼
APR5.99%
Term61 to 72 months
Last UpdatedSep 21, 2026
Details
As Low As; *
Bank of Utica
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
222 Genesee St, Utica, NY, 13502
Vehicle Used - 1 Year Old Loan
6.00%
60 months
▼
APR6.00%
Term60 months
Last UpdatedSep 18, 2026
Details
Required Down Payment: NA
Bank of Utica
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
222 Genesee St, Utica, NY, 13502
Vehicle Used - 2 Years Old Loan
6.00%
54 months
▼
APR6.00%
Term54 months
Last UpdatedSep 18, 2026
Details
Required Down Payment: NA
Bank of Utica
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
222 Genesee St, Utica, NY, 13502
Vehicle Used - 3 Years Old Loan
6.00%
48 months
▼
APR6.00%
Term48 months
Last UpdatedSep 18, 2026
Details
Required Down Payment: NA
Adirondack Bank
Institution Rating:
B4.1 ★ Texas Ratio: 7.18%
185 Genesee St, Utica, NY, 13501
New Cars & Trucks 2024, 2025 & 2026 Loan
6.00%
24 months
▼
APR6.00%
Term24 months
Last UpdatedSep 19, 2026
Details
Adirondack Bank
Institution Rating:
B4.1 ★ Texas Ratio: 7.18%
185 Genesee St, Utica, NY, 13501
New Cars & Trucks 2024, 2025 & 2026 Loan
6.00%
36 months
▼
APR6.00%
Term36 months
Last UpdatedSep 19, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
6.00%
24 months
▼
APR6.00%
Term24 months
Last UpdatedSep 21, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
6.00%
36 months
▼
APR6.00%
Term36 months
Last UpdatedSep 21, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
6.00%
48 months
▼
APR6.00%
Term48 months
Last UpdatedSep 21, 2026
Details
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
800 Park Ave, Utica, NY, 13501
Vehicle Loan
6.00%
37-48 months
▼
APR6.00%
Term37-48 months
Last UpdatedSep 22, 2026
Details
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
800 Park Ave, Utica, NY, 13501
Used Automobile (2014 or newer)
6.00%
49-84 months
▼
APR6.00%
Term49-84 months
Last UpdatedSep 22, 2026
Details
First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.10%
1634 Genesee St, Utica, NY, 13502 5428
Vehicles & Motorcycles - 84 Month Loan
6.24%
84 Month
▼
APR6.24%
Term84 Month
Last UpdatedSep 16, 2026
Details
As Low As
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Auto Loans (3 to 6 Years Old) - A (680-729)
6.24%
6 Years
▼
APR6.24%
Term6 Years
Last UpdatedSep 21, 2026
Details
Credit Grade / Score: A (680-729)
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Auto Loans (3 to 6 Years Old) - A+ (730
6.24%
6 Years
▼
APR6.24%
Term6 Years
Last UpdatedSep 21, 2026
Details
Credit Grade / Score: A+ (730+)
Adirondack Bank
Institution Rating:
B4.1 ★ Texas Ratio: 7.18%
185 Genesee St, Utica, NY, 13501
New Cars & Trucks 2024, 2025 & 2026 Loan
6.25%
48 months
▼
APR6.25%
Term48 months
Last UpdatedSep 19, 2026
Details
First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.10%
1634 Genesee St, Utica, NY, 13502 5428
Recreational Use Vehicles - 48 Month Loan
6.25%
48 Month
▼
APR6.25%
Term48 Month
Last UpdatedSep 16, 2026
Details
As Low As
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
6.25%
60 months
▼
APR6.25%
Term60 months
Last UpdatedSep 21, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
6.25%
24 months
▼
APR6.25%
Term24 months
Last UpdatedSep 21, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
6.25%
36 months
▼
APR6.25%
Term36 months
Last UpdatedSep 21, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
6.25%
48 months
▼
APR6.25%
Term48 months
Last UpdatedSep 21, 2026
Details
Bank of Utica
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
222 Genesee St, Utica, NY, 13502
Vehicle Used - 4 Years Old Loan
6.50%
42 months
▼
APR6.50%
Term42 months
Last UpdatedSep 18, 2026
Details
Required Down Payment: NA
Bank of Utica
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
222 Genesee St, Utica, NY, 13502
Vehicle Used - 5 Years Old Loan
6.50%
36 months
▼
APR6.50%
Term36 months
Last UpdatedSep 18, 2026
Details
Required Down Payment: NA
Adirondack Bank
Institution Rating:
B4.1 ★ Texas Ratio: 7.18%
185 Genesee St, Utica, NY, 13501
New Cars & Trucks 2024, 2025 & 2026 Loan
6.50%
60 months
▼
APR6.50%
Term60 months
Last UpdatedSep 19, 2026
Details
Adirondack Bank
Institution Rating:
B4.1 ★ Texas Ratio: 7.18%
185 Genesee St, Utica, NY, 13501
Used Cars & Trucks 2017-2023 Loan
6.50%
24 months
▼
APR6.50%
Term24 months
Last UpdatedSep 19, 2026
Details
Adirondack Bank
Institution Rating:
B4.1 ★ Texas Ratio: 7.18%
185 Genesee St, Utica, NY, 13501
Used Cars & Trucks 2017-2023 Loan
6.50%
36 months
▼
APR6.50%
Term36 months
Last UpdatedSep 19, 2026
Details
First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.10%
1634 Genesee St, Utica, NY, 13502 5428
Recreational Use Vehicles - 60 Month Loan
6.50%
60 Month
▼
APR6.50%
Term60 Month
Last UpdatedSep 16, 2026
Details
As Low As
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
6.50%
72 months
▼
APR6.50%
Term72 months
Last UpdatedSep 21, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
6.50%
60 months
▼
APR6.50%
Term60 months
Last UpdatedSep 21, 2026
Details
First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.10%
1634 Genesee St, Utica, NY, 13502 5428
Recreational Use Vehicles - 72 Month Loan
6.60%
72 Month
▼
APR6.60%
Term72 Month
Last UpdatedSep 16, 2026
Details
As Low As
First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.10%
1634 Genesee St, Utica, NY, 13502 5428
Recreational Use Vehicles - 84 Month Loan
6.70%
84 Month
▼
APR6.70%
Term84 Month
Last UpdatedSep 16, 2026
Details
As Low As
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Auto Loans (3 to 6 Years Old) - A (680-729)
6.74%
6 Years
▼
APR6.74%
Term6 Years
Last UpdatedSep 21, 2026
Details
Credit Grade / Score: A (680-729)
Adirondack Bank
Institution Rating:
B4.1 ★ Texas Ratio: 7.18%
185 Genesee St, Utica, NY, 13501
New Cars & Trucks 2024, 2025 & 2026 Loan
6.75%
72 months
▼
APR6.75%
Term72 months
Last UpdatedSep 19, 2026
Details
Adirondack Bank
Institution Rating:
B4.1 ★ Texas Ratio: 7.18%
185 Genesee St, Utica, NY, 13501
Used Cars & Trucks 2017-2023 Loan
6.75%
48 months
▼
APR6.75%
Term48 months
Last UpdatedSep 19, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
6.75%
84 months
▼
APR6.75%
Term84 months
Last UpdatedSep 21, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
6.75%
72 months
▼
APR6.75%
Term72 months
Last UpdatedSep 21, 2026
Details
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
800 Park Ave, Utica, NY, 13501
Vehicle Loan
6.75%
37-48 months
▼
APR6.75%
Term37-48 months
Last UpdatedSep 22, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
New Auto Loans (2 Years Old & Newer) - A (680-729)
6.84%
2 Years
▼
APR6.84%
Term2 Years
Last UpdatedSep 21, 2026
Details
New Auto Loans (2 Years Old & Newer)
First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.10%
1634 Genesee St, Utica, NY, 13502 5428
Vehicles & Motorcycles - 96 Month Loan
6.99%
96 Month
▼
APR6.99%
Term96 Month
Last UpdatedSep 16, 2026
Details
As Low As
Adirondack Bank
Institution Rating:
B4.1 ★ Texas Ratio: 7.18%
185 Genesee St, Utica, NY, 13501
New Cars & Trucks 2024, 2025 & 2026 Loan
7.00%
84 months
▼
APR7.00%
Term84 months
Last UpdatedSep 19, 2026
Details
Adirondack Bank
Institution Rating:
B4.1 ★ Texas Ratio: 7.18%
185 Genesee St, Utica, NY, 13501
Used Cars & Trucks 2017-2023 Loan
7.00%
60 months
▼
APR7.00%
Term60 months
Last UpdatedSep 19, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
New Auto Loans (2 Years Old & Newer) - B (640-679)
7.09%
Up to 48 Months
▼
APR7.09%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details
New Auto Loans (2 Years Old & Newer)
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
New Auto Loans (2 Years Old & Newer) - B (640-679)
7.34%
2 Years
▼
APR7.34%
Term2 Years
Last UpdatedSep 21, 2026
Details
New Auto Loans (2 Years Old & Newer)
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Vehicles (7+ Years Old) - A+ (730 Loan
7.41%
Up to 48 Months
▼
APR7.41%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details
First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.10%
1634 Genesee St, Utica, NY, 13502 5428
Vehicles & Motorcycles - 12 Month Loan
7.49%
12 Month
▼
APR7.49%
Term12 Month
Last UpdatedSep 16, 2026
Details
As Low As
First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.10%
1634 Genesee St, Utica, NY, 13502 5428
Vehicles & Motorcycles - 24 Month Loan
7.49%
24 Month
▼
APR7.49%
Term24 Month
Last UpdatedSep 16, 2026
Details
As Low As
First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.10%
1634 Genesee St, Utica, NY, 13502 5428
Vehicles & Motorcycles - 36 Month Loan
7.49%
36 Month
▼
APR7.49%
Term36 Month
Last UpdatedSep 16, 2026
Details
As Low As
First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.10%
1634 Genesee St, Utica, NY, 13502 5428
Vehicles & Motorcycles - 48 Month Loan
7.49%
48 Month
▼
APR7.49%
Term48 Month
Last UpdatedSep 16, 2026
Details
As Low As
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Vehicles (7+ Years Old) - A+ (730 Loan
7.65%
49-60 Months
▼
APR7.65%
Term49-60 Months
Last UpdatedSep 21, 2026
Details
First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.10%
1634 Genesee St, Utica, NY, 13502 5428
Vehicles & Motorcycles - 60 Month Loan
7.74%
60 Month
▼
APR7.74%
Term60 Month
Last UpdatedSep 16, 2026
Details
As Low As
NBT Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
270 Genesee St, Utica, NY, 13502
New Automobile Loan
7.77%
48 months
▼
APR7.77%
Term48 months
Last UpdatedSep 18, 2026
Details
Lowest APR available on approved credit. Your actual APR may vary. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of 09/18/2026 and is subject to change. Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $5,000, minimum credit score is 730, and maximum term is 48 months. Call 800-628-2265 for the actual APR for your loan. NBT Bank loans are only available in Connecticut, Maine, Massachusetts, New Hampshire, New York, Pennsylvania and Vermont. On a $15,000 loan, the payment would be $364.58 per month for 48 months with a 7.77% APR.
NBT Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
270 Genesee St, Utica, NY, 13502
Used Automobile Loan
7.77%
48 months
▼
APR7.77%
Term48 months
Last UpdatedSep 18, 2026
Details
Lowest APR available on approved credit. Your actual APR may vary. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of 09/18/2026 and is subject to change. Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $5,000, minimum credit score is 730, and maximum term is 48 months. Call 800-628-2265 for the actual APR for your loan. NBT Bank loans are only available in Connecticut, Maine, Massachusetts, New Hampshire, New York, Pennsylvania and Vermont. On a $15,000 loan, the payment would be $364.58 per month for 48 months with a 7.77% APR.
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
New Auto Loans (2 Years Old & Newer) - B (640-679)
7.84%
2 Years
▼
APR7.84%
Term2 Years
Last UpdatedSep 21, 2026
Details
New Auto Loans (2 Years Old & Newer)
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Vehicles (7+ Years Old) - A (680-729) Loan
7.91%
Up to 48 Months
▼
APR7.91%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details
First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.10%
1634 Genesee St, Utica, NY, 13502 5428
Vehicles & Motorcycles - 108 Month Loan
7.99%
108 Month
▼
APR7.99%
Term108 Month
Last UpdatedSep 16, 2026
Details
As Low As
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
8.00%
24 months
▼
APR8.00%
Term24 months
Last UpdatedSep 21, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
8.00%
36 months
▼
APR8.00%
Term36 months
Last UpdatedSep 21, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
8.00%
48 months
▼
APR8.00%
Term48 months
Last UpdatedSep 21, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Auto Loans (3 to 6 Years Old) - B (640-679)
8.19%
Up to 48 Months
▼
APR8.19%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details
Credit Grade / Score: B (640-679)
First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.10%
1634 Genesee St, Utica, NY, 13502 5428
Vehicles & Motorcycles - 72 Month Loan
8.24%
72 Month
▼
APR8.24%
Term72 Month
Last UpdatedSep 16, 2026
Details
As Low As
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
8.25%
60 months
▼
APR8.25%
Term60 months
Last UpdatedSep 21, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Vehicles (7+ Years Old) - A (680-729) Loan
8.39%
49-60 Months
▼
APR8.39%
Term49-60 Months
Last UpdatedSep 21, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Auto Loans (3 to 6 Years Old) - B (640-679)
8.44%
6 Years
▼
APR8.44%
Term6 Years
Last UpdatedSep 21, 2026
Details
Credit Grade / Score: B (640-679)
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
8.50%
72 months
▼
APR8.50%
Term72 months
Last UpdatedSep 21, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
8.50%
24 months
▼
APR8.50%
Term24 months
Last UpdatedSep 21, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
8.50%
36 months
▼
APR8.50%
Term36 months
Last UpdatedSep 21, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
8.50%
48 months
▼
APR8.50%
Term48 months
Last UpdatedSep 21, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
8.75%
84 months
▼
APR8.75%
Term84 months
Last UpdatedSep 21, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
8.75%
60 months
▼
APR8.75%
Term60 months
Last UpdatedSep 21, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Vehicles (7+ Years Old) - B (640-679) Loan
8.91%
Up to 48 Months
▼
APR8.91%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Auto Loans (3 to 6 Years Old) - B (640-679)
8.94%
6 Years
▼
APR8.94%
Term6 Years
Last UpdatedSep 21, 2026
Details
Credit Grade / Score: B (640-679)
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
9.00%
72 months
▼
APR9.00%
Term72 months
Last UpdatedSep 21, 2026
Details
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
800 Park Ave, Utica, NY, 13501
Used Automobile (2011-2013)
9.00%
36 months
▼
APR9.00%
Term36 months
Last UpdatedSep 22, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
New Auto Loans (2 Years Old & Newer) - B (640-679)
9.19%
2 Years
▼
APR9.19%
Term2 Years
Last UpdatedSep 21, 2026
Details
New Auto Loans (2 Years Old & Newer)
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
New Auto Loans (2 Years Old & Newer) - C (600-639)
9.34%
Up to 48 Months
▼
APR9.34%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details
New Auto Loans (2 Years Old & Newer)
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Vehicles (7+ Years Old) - B (640-679) Loan
9.35%
49-60 Months
▼
APR9.35%
Term49-60 Months
Last UpdatedSep 21, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Auto Loans (3 to 6 Years Old) - B (640-679)
9.44%
6 Years
▼
APR9.44%
Term6 Years
Last UpdatedSep 21, 2026
Details
Credit Grade / Score: B (640-679)
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
New Auto Loans (2 Years Old & Newer) - C (600-639)
9.59%
2 Years
▼
APR9.59%
Term2 Years
Last UpdatedSep 21, 2026
Details
New Auto Loans (2 Years Old & Newer)
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
10.00%
24 months
▼
APR10.00%
Term24 months
Last UpdatedSep 21, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
10.00%
36 months
▼
APR10.00%
Term36 months
Last UpdatedSep 21, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
10.00%
48 months
▼
APR10.00%
Term48 months
Last UpdatedSep 21, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
New Auto Loans (2 Years Old & Newer) - C (600-639)
10.09%
2 Years
▼
APR10.09%
Term2 Years
Last UpdatedSep 21, 2026
Details
New Auto Loans (2 Years Old & Newer)
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Auto Loans (3 to 6 Years Old) - C (600-639)
10.44%
Up to 48 Months
▼
APR10.44%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details
Credit Grade / Score: C (600-639)
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
10.50%
60 months
▼
APR10.50%
Term60 months
Last UpdatedSep 21, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
10.50%
24 months
▼
APR10.50%
Term24 months
Last UpdatedSep 21, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
10.50%
36 months
▼
APR10.50%
Term36 months
Last UpdatedSep 21, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
10.50%
48 months
▼
APR10.50%
Term48 months
Last UpdatedSep 21, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Auto Loans (3 to 6 Years Old) - C (600-639)
10.69%
6 Years
▼
APR10.69%
Term6 Years
Last UpdatedSep 21, 2026
Details
Credit Grade / Score: C (600-639)
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
11.00%
72 months
▼
APR11.00%
Term72 months
Last UpdatedSep 21, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
11.00%
60 months
▼
APR11.00%
Term60 months
Last UpdatedSep 21, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Vehicles (7+ Years Old) - C (600-639) Loan
11.16%
Up to 48 Months
▼
APR11.16%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Auto Loans (3 to 6 Years Old) - C (600-639)
11.19%
6 Years
▼
APR11.19%
Term6 Years
Last UpdatedSep 21, 2026
Details
Credit Grade / Score: C (600-639)
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Vehicles (7+ Years Old) - C (600-639) Loan
11.40%
49-60 Months
▼
APR11.40%
Term49-60 Months
Last UpdatedSep 21, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
11.50%
84 months
▼
APR11.50%
Term84 months
Last UpdatedSep 21, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
11.50%
72 months
▼
APR11.50%
Term72 months
Last UpdatedSep 21, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
New Auto Loans (2 Years Old & Newer) - D (550-599)
11.64%
Up to 48 Months
▼
APR11.64%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details
New Auto Loans (2 Years Old & Newer)
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
New Auto Loans (2 Years Old & Newer) - D (550-599)
11.89%
2 Years
▼
APR11.89%
Term2 Years
Last UpdatedSep 21, 2026
Details
New Auto Loans (2 Years Old & Newer)
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
12.50%
24 months
▼
APR12.50%
Term24 months
Last UpdatedSep 21, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
12.50%
36 months
▼
APR12.50%
Term36 months
Last UpdatedSep 21, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
12.50%
48 months
▼
APR12.50%
Term48 months
Last UpdatedSep 21, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Auto Loans (3 to 6 Years Old) - D (550-599)
12.69%
Up to 48 Months
▼
APR12.69%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details
Credit Grade / Score: D (550-599)
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Auto Loans (3 to 6 Years Old) - D (550-599)
12.94%
6 Years
▼
APR12.94%
Term6 Years
Last UpdatedSep 21, 2026
Details
Credit Grade / Score: D (550-599)
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
13.00%
60 months
▼
APR13.00%
Term60 months
Last UpdatedSep 21, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
13.00%
24 months
▼
APR13.00%
Term24 months
Last UpdatedSep 21, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
13.00%
36 months
▼
APR13.00%
Term36 months
Last UpdatedSep 21, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
13.00%
48 months
▼
APR13.00%
Term48 months
Last UpdatedSep 21, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Vehicles (7+ Years Old) - D (550-599) Loan
13.41%
Up to 48 Months
▼
APR13.41%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
13.50%
72 months
▼
APR13.50%
Term72 months
Last UpdatedSep 21, 2026
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
2812 GENESEE ST, UTICA, NY, 13502
Vehicle Loan
13.50%
60 months
▼
APR13.50%
Term60 months
Last UpdatedSep 21, 2026
Details
Powered by
MonitorBankRates
Utica New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
New Auto Loans (2 Years Old & Newer) - A+ (730
4.24%
Up to 48 Months
▼
APR4.24%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details
New Auto Loans (2 Years Old & Newer)
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
800 Park Ave, Utica, NY, 13501
New Automobile
4.25%
36 months
▼
APR4.25%
Term36 months
Last UpdatedSep 22, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
New Auto Loans (2 Years Old & Newer) - A+ (730
4.49%
2 Years
▼
APR4.49%
Term2 Years
Last UpdatedSep 21, 2026
Details
New Auto Loans (2 Years Old & Newer)
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
301 Bleecker St, Utica, NY, 13501
New Auto Loans
4.49%
1 to 60 months
▼
APR4.49%
Term1 to 60 months
Last UpdatedSep 21, 2026
Details
Model Year: 2023 - 2027
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
800 Park Ave, Utica, NY, 13501
New Automobile
4.50%
37-48 months
▼
APR4.50%
Term37-48 months
Last UpdatedSep 22, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
New Auto Loans (2 Years Old & Newer) - A (680-729)
4.74%
Up to 48 Months
▼
APR4.74%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details
New Auto Loans (2 Years Old & Newer)
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
301 Bleecker St, Utica, NY, 13501
New Auto Loans
4.74%
61 to 66 months
▼
APR4.74%
Term61 to 66 months
Last UpdatedSep 21, 2026
Details
Model Year: 2023 - 2027
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
New Auto Loans (2 Years Old & Newer) - A (680-729)
4.99%
2 Years
▼
APR4.99%
Term2 Years
Last UpdatedSep 21, 2026
Details
New Auto Loans (2 Years Old & Newer)
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
New Auto Loans (2 Years Old & Newer) - A+ (730
4.99%
2 Years
▼
APR4.99%
Term2 Years
Last UpdatedSep 21, 2026
Details
New Auto Loans (2 Years Old & Newer)
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
301 Bleecker St, Utica, NY, 13501
New Auto Loans
4.99%
67 to 72 months
▼
APR4.99%
Term67 to 72 months
Last UpdatedSep 21, 2026
Details
Model Year: 2023 - 2027
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
800 Park Ave, Utica, NY, 13501
New Automobile
5.25%
49-84 months
▼
APR5.25%
Term49-84 months
Last UpdatedSep 22, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
New Auto Loans (2 Years Old & Newer) - A (680-729)
5.49%
2 Years
▼
APR5.49%
Term2 Years
Last UpdatedSep 21, 2026
Details
New Auto Loans (2 Years Old & Newer)
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
800 Park Ave, Utica, NY, 13501
Used Automobile (2014 or newer)
5.50%
36 months
▼
APR5.50%
Term36 months
Last UpdatedSep 22, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
301 Bleecker St, Utica, NY, 13501
New Auto Loans
5.74%
73 to 84 months**
▼
APR5.74%
Term73 to 84 months**
Last UpdatedSep 21, 2026
Details
Model Year: 2023 - 2027
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
New Auto Loans (2 Years Old & Newer) - A+ (730
5.75%
2 Years
▼
APR5.75%
Term2 Years
Last UpdatedSep 21, 2026
Details
New Auto Loans (2 Years Old & Newer)
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
800 Park Ave, Utica, NY, 13501
Used Automobile (2014 or newer)
5.75%
37-48 months
▼
APR5.75%
Term37-48 months
Last UpdatedSep 22, 2026
Details
Adirondack Bank
Institution Rating:
B4.1 ★ Texas Ratio: 7.18%
185 Genesee St, Utica, NY, 13501
New Cars & Trucks 2024, 2025 & 2026 Loan
6.00%
24 months
▼
APR6.00%
Term24 months
Last UpdatedSep 19, 2026
Details
Adirondack Bank
Institution Rating:
B4.1 ★ Texas Ratio: 7.18%
185 Genesee St, Utica, NY, 13501
New Cars & Trucks 2024, 2025 & 2026 Loan
6.00%
36 months
▼
APR6.00%
Term36 months
Last UpdatedSep 19, 2026
Details
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
800 Park Ave, Utica, NY, 13501
Used Automobile (2014 or newer)
6.00%
49-84 months
▼
APR6.00%
Term49-84 months
Last UpdatedSep 22, 2026
Details
Adirondack Bank
Institution Rating:
B4.1 ★ Texas Ratio: 7.18%
185 Genesee St, Utica, NY, 13501
New Cars & Trucks 2024, 2025 & 2026 Loan
6.25%
48 months
▼
APR6.25%
Term48 months
Last UpdatedSep 19, 2026
Details
Adirondack Bank
Institution Rating:
B4.1 ★ Texas Ratio: 7.18%
185 Genesee St, Utica, NY, 13501
New Cars & Trucks 2024, 2025 & 2026 Loan
6.50%
60 months
▼
APR6.50%
Term60 months
Last UpdatedSep 19, 2026
Details
Adirondack Bank
Institution Rating:
B4.1 ★ Texas Ratio: 7.18%
185 Genesee St, Utica, NY, 13501
New Cars & Trucks 2024, 2025 & 2026 Loan
6.75%
72 months
▼
APR6.75%
Term72 months
Last UpdatedSep 19, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
New Auto Loans (2 Years Old & Newer) - A (680-729)
6.84%
2 Years
▼
APR6.84%
Term2 Years
Last UpdatedSep 21, 2026
Details
New Auto Loans (2 Years Old & Newer)
Adirondack Bank
Institution Rating:
B4.1 ★ Texas Ratio: 7.18%
185 Genesee St, Utica, NY, 13501
New Cars & Trucks 2024, 2025 & 2026 Loan
7.00%
84 months
▼
APR7.00%
Term84 months
Last UpdatedSep 19, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
New Auto Loans (2 Years Old & Newer) - B (640-679)
7.09%
Up to 48 Months
▼
APR7.09%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details
New Auto Loans (2 Years Old & Newer)
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
New Auto Loans (2 Years Old & Newer) - B (640-679)
7.34%
2 Years
▼
APR7.34%
Term2 Years
Last UpdatedSep 21, 2026
Details
New Auto Loans (2 Years Old & Newer)
NBT Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
270 Genesee St, Utica, NY, 13502
New Automobile Loan
7.77%
48 months
▼
APR7.77%
Term48 months
Last UpdatedSep 18, 2026
Details
Lowest APR available on approved credit. Your actual APR may vary. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of 09/18/2026 and is subject to change. Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $5,000, minimum credit score is 730, and maximum term is 48 months. Call 800-628-2265 for the actual APR for your loan. NBT Bank loans are only available in Connecticut, Maine, Massachusetts, New Hampshire, New York, Pennsylvania and Vermont. On a $15,000 loan, the payment would be $364.58 per month for 48 months with a 7.77% APR.
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
New Auto Loans (2 Years Old & Newer) - B (640-679)
7.84%
2 Years
▼
APR7.84%
Term2 Years
Last UpdatedSep 21, 2026
Details
New Auto Loans (2 Years Old & Newer)
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
New Auto Loans (2 Years Old & Newer) - B (640-679)
9.19%
2 Years
▼
APR9.19%
Term2 Years
Last UpdatedSep 21, 2026
Details
New Auto Loans (2 Years Old & Newer)
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
New Auto Loans (2 Years Old & Newer) - C (600-639)
9.34%
Up to 48 Months
▼
APR9.34%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details
New Auto Loans (2 Years Old & Newer)
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
New Auto Loans (2 Years Old & Newer) - C (600-639)
9.59%
2 Years
▼
APR9.59%
Term2 Years
Last UpdatedSep 21, 2026
Details
New Auto Loans (2 Years Old & Newer)
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
New Auto Loans (2 Years Old & Newer) - C (600-639)
10.09%
2 Years
▼
APR10.09%
Term2 Years
Last UpdatedSep 21, 2026
Details
New Auto Loans (2 Years Old & Newer)
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
New Auto Loans (2 Years Old & Newer) - D (550-599)
11.64%
Up to 48 Months
▼
APR11.64%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details
New Auto Loans (2 Years Old & Newer)
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
New Auto Loans (2 Years Old & Newer) - D (550-599)
11.89%
2 Years
▼
APR11.89%
Term2 Years
Last UpdatedSep 21, 2026
Details
New Auto Loans (2 Years Old & Newer)
Powered by
MonitorBankRates
Utica Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Auto Loans (3 to 6 Years Old) - A+ (730
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details
Credit Grade / Score: A+ (730+)
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Auto Loans (3 to 6 Years Old) - A+ (730
5.24%
6 Years
▼
APR5.24%
Term6 Years
Last UpdatedSep 21, 2026
Details
Credit Grade / Score: A+ (730+)
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
301 Bleecker St, Utica, NY, 13501
Used Auto Loans (2019-2022)
5.24%
1 to 60 months
▼
APR5.24%
Term1 to 60 months
Last UpdatedSep 21, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Auto Loans (3 to 6 Years Old) - A (680-729)
5.49%
Up to 48 Months
▼
APR5.49%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details
Credit Grade / Score: A (680-729)
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
301 Bleecker St, Utica, NY, 13501
Used Auto Loans (2019-2022)
5.49%
24 to 60 months
▼
APR5.49%
Term24 to 60 months
Last UpdatedSep 21, 2026
Details
As Low As; *
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
301 Bleecker St, Utica, NY, 13501
Used Auto Loans (2019-2022)
5.49%
12 to 36 months
▼
APR5.49%
Term12 to 36 months
Last UpdatedSep 21, 2026
Details
As Low As; *
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
800 Park Ave, Utica, NY, 13501
Used Automobile (2014 or newer)
5.50%
36 months
▼
APR5.50%
Term36 months
Last UpdatedSep 22, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Auto Loans (3 to 6 Years Old) - A (680-729)
5.74%
6 Years
▼
APR5.74%
Term6 Years
Last UpdatedSep 21, 2026
Details
Credit Grade / Score: A (680-729)
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Auto Loans (3 to 6 Years Old) - A+ (730
5.74%
6 Years
▼
APR5.74%
Term6 Years
Last UpdatedSep 21, 2026
Details
Credit Grade / Score: A+ (730+)
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
800 Park Ave, Utica, NY, 13501
Used Automobile (2014 or newer)
5.75%
37-48 months
▼
APR5.75%
Term37-48 months
Last UpdatedSep 22, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
301 Bleecker St, Utica, NY, 13501
Used Auto Loans (2019-2022)
5.99%
61 to 66 months
▼
APR5.99%
Term61 to 66 months
Last UpdatedSep 21, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
301 Bleecker St, Utica, NY, 13501
Used Auto Loans (2019-2022)
5.99%
61 to 72 months
▼
APR5.99%
Term61 to 72 months
Last UpdatedSep 21, 2026
Details
As Low As; *
Bank of Utica
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
222 Genesee St, Utica, NY, 13502
Vehicle Used - 1 Year Old Loan
6.00%
60 months
▼
APR6.00%
Term60 months
Last UpdatedSep 18, 2026
Details
Required Down Payment: NA
Bank of Utica
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
222 Genesee St, Utica, NY, 13502
Vehicle Used - 2 Years Old Loan
6.00%
54 months
▼
APR6.00%
Term54 months
Last UpdatedSep 18, 2026
Details
Required Down Payment: NA
Bank of Utica
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
222 Genesee St, Utica, NY, 13502
Vehicle Used - 3 Years Old Loan
6.00%
48 months
▼
APR6.00%
Term48 months
Last UpdatedSep 18, 2026
Details
Required Down Payment: NA
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
800 Park Ave, Utica, NY, 13501
Used Automobile (2014 or newer)
6.00%
49-84 months
▼
APR6.00%
Term49-84 months
Last UpdatedSep 22, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Auto Loans (3 to 6 Years Old) - A (680-729)
6.24%
6 Years
▼
APR6.24%
Term6 Years
Last UpdatedSep 21, 2026
Details
Credit Grade / Score: A (680-729)
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Auto Loans (3 to 6 Years Old) - A+ (730
6.24%
6 Years
▼
APR6.24%
Term6 Years
Last UpdatedSep 21, 2026
Details
Credit Grade / Score: A+ (730+)
Bank of Utica
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
222 Genesee St, Utica, NY, 13502
Vehicle Used - 4 Years Old Loan
6.50%
42 months
▼
APR6.50%
Term42 months
Last UpdatedSep 18, 2026
Details
Required Down Payment: NA
Bank of Utica
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
222 Genesee St, Utica, NY, 13502
Vehicle Used - 5 Years Old Loan
6.50%
36 months
▼
APR6.50%
Term36 months
Last UpdatedSep 18, 2026
Details
Required Down Payment: NA
Adirondack Bank
Institution Rating:
B4.1 ★ Texas Ratio: 7.18%
185 Genesee St, Utica, NY, 13501
Used Cars & Trucks 2017-2023 Loan
6.50%
24 months
▼
APR6.50%
Term24 months
Last UpdatedSep 19, 2026
Details
Adirondack Bank
Institution Rating:
B4.1 ★ Texas Ratio: 7.18%
185 Genesee St, Utica, NY, 13501
Used Cars & Trucks 2017-2023 Loan
6.50%
36 months
▼
APR6.50%
Term36 months
Last UpdatedSep 19, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Auto Loans (3 to 6 Years Old) - A (680-729)
6.74%
6 Years
▼
APR6.74%
Term6 Years
Last UpdatedSep 21, 2026
Details
Credit Grade / Score: A (680-729)
Adirondack Bank
Institution Rating:
B4.1 ★ Texas Ratio: 7.18%
185 Genesee St, Utica, NY, 13501
Used Cars & Trucks 2017-2023 Loan
6.75%
48 months
▼
APR6.75%
Term48 months
Last UpdatedSep 19, 2026
Details
Adirondack Bank
Institution Rating:
B4.1 ★ Texas Ratio: 7.18%
185 Genesee St, Utica, NY, 13501
Used Cars & Trucks 2017-2023 Loan
7.00%
60 months
▼
APR7.00%
Term60 months
Last UpdatedSep 19, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Vehicles (7+ Years Old) - A+ (730 Loan
7.41%
Up to 48 Months
▼
APR7.41%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Vehicles (7+ Years Old) - A+ (730 Loan
7.65%
49-60 Months
▼
APR7.65%
Term49-60 Months
Last UpdatedSep 21, 2026
Details
NBT Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
270 Genesee St, Utica, NY, 13502
Used Automobile Loan
7.77%
48 months
▼
APR7.77%
Term48 months
Last UpdatedSep 18, 2026
Details
Lowest APR available on approved credit. Your actual APR may vary. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of 09/18/2026 and is subject to change. Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $5,000, minimum credit score is 730, and maximum term is 48 months. Call 800-628-2265 for the actual APR for your loan. NBT Bank loans are only available in Connecticut, Maine, Massachusetts, New Hampshire, New York, Pennsylvania and Vermont. On a $15,000 loan, the payment would be $364.58 per month for 48 months with a 7.77% APR.
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Vehicles (7+ Years Old) - A (680-729) Loan
7.91%
Up to 48 Months
▼
APR7.91%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Auto Loans (3 to 6 Years Old) - B (640-679)
8.19%
Up to 48 Months
▼
APR8.19%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details
Credit Grade / Score: B (640-679)
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Vehicles (7+ Years Old) - A (680-729) Loan
8.39%
49-60 Months
▼
APR8.39%
Term49-60 Months
Last UpdatedSep 21, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Auto Loans (3 to 6 Years Old) - B (640-679)
8.44%
6 Years
▼
APR8.44%
Term6 Years
Last UpdatedSep 21, 2026
Details
Credit Grade / Score: B (640-679)
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Vehicles (7+ Years Old) - B (640-679) Loan
8.91%
Up to 48 Months
▼
APR8.91%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Auto Loans (3 to 6 Years Old) - B (640-679)
8.94%
6 Years
▼
APR8.94%
Term6 Years
Last UpdatedSep 21, 2026
Details
Credit Grade / Score: B (640-679)
ONEIDA COUNTY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
800 Park Ave, Utica, NY, 13501
Used Automobile (2011-2013)
9.00%
36 months
▼
APR9.00%
Term36 months
Last UpdatedSep 22, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Vehicles (7+ Years Old) - B (640-679) Loan
9.35%
49-60 Months
▼
APR9.35%
Term49-60 Months
Last UpdatedSep 21, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Auto Loans (3 to 6 Years Old) - B (640-679)
9.44%
6 Years
▼
APR9.44%
Term6 Years
Last UpdatedSep 21, 2026
Details
Credit Grade / Score: B (640-679)
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Auto Loans (3 to 6 Years Old) - C (600-639)
10.44%
Up to 48 Months
▼
APR10.44%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details
Credit Grade / Score: C (600-639)
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Auto Loans (3 to 6 Years Old) - C (600-639)
10.69%
6 Years
▼
APR10.69%
Term6 Years
Last UpdatedSep 21, 2026
Details
Credit Grade / Score: C (600-639)
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Vehicles (7+ Years Old) - C (600-639) Loan
11.16%
Up to 48 Months
▼
APR11.16%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Auto Loans (3 to 6 Years Old) - C (600-639)
11.19%
6 Years
▼
APR11.19%
Term6 Years
Last UpdatedSep 21, 2026
Details
Credit Grade / Score: C (600-639)
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Vehicles (7+ Years Old) - C (600-639) Loan
11.40%
49-60 Months
▼
APR11.40%
Term49-60 Months
Last UpdatedSep 21, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Auto Loans (3 to 6 Years Old) - D (550-599)
12.69%
Up to 48 Months
▼
APR12.69%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details
Credit Grade / Score: D (550-599)
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Auto Loans (3 to 6 Years Old) - D (550-599)
12.94%
6 Years
▼
APR12.94%
Term6 Years
Last UpdatedSep 21, 2026
Details
Credit Grade / Score: D (550-599)
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
207 Genesee St, Utica, NY, 13501
Used Vehicles (7+ Years Old) - D (550-599) Loan
13.41%
Up to 48 Months
▼
APR13.41%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details
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MonitorBankRates
Utica, NY Auto Loan Rate Trends
Compare local Utica, 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
5.897%
▼ 0.072 vs 7 days ago
New York new auto rates fell 0.072 points over the past 7 days to 5.897% APR.
Used Auto Loan NY Avg
6.277%
▼ 0.260 vs 7 days ago
New York used auto rates fell 0.260 points over the past 7 days to 6.277% APR.
As of Sep 22, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Utica, NY Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current New York figures.
Current New Auto Avg
5.90%
APR, as of Sep 22, 2026
6-Month Forecast
5.98%
Fed hold assumed
12-Month Forecast
6.05%
Range: 5.70% to 6.25%
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average New York APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.90% APR NY average | Used Auto @ 6.28% APR NY average | Monthly Difference |
|---|---|---|---|
| $15,000 | $289.27/mo | $291.93/mo | $2.65/mo |
| $25,000 | $482.12/mo | $486.54/mo | $4.42/mo |
| $35,000 | $674.96/mo | $681.16/mo | $6.19/mo |
| $45,000 | $867.81/mo | $875.78/mo | $7.96/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Utica, New York
1
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Utica, New York locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
2
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in New York. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
3
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
4
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
Building a down payment, or is an auto loan not the right fit?
- Saving up for a bigger down payment: park it in a Utica, New York high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Utica, New York CD rates lock in a guaranteed return until you’re ready to buy
Utica, New York Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
$33,509
Median Individual Earnings
National avg: $47,340
8.2%
Unemployment Rate
National avg: 4.8%
27.5%
Poverty Rate
National avg: 11.1%
$579/mo
Payment on a $30K / 60-mo Loan
At NY new-auto avg 5.90% APR
A $579 monthly car payment works out to roughly 20.7% of the median individual income in Utica, New York. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Utica, New York, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1–3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Utica, New York. We’ve prefilled the APR with today’s NY new-auto average, or click any current rate on the right to apply it instantly.
$
$
%
Current Rates: Click to Apply
$0
Estimated Monthly Payment
Loan Amount$0
Total Interest Paid$0
Total of All Payments$0
Total Cost incl. Down Payment$0
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Utica, New York auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Utica, New York directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Utica, New York. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in NY.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Utica, 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 Utica, 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 Utica, New York typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
Should I get preapproved for an auto loan before visiting a dealer in Utica, New York?
Yes. A preapproval from a bank or credit union serving Utica, New York gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.
Why are used car loan rates higher than new car rates?
Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.
Can I refinance my auto loan if rates drop or my credit improves?
Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving Utica, New York can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.
What are the best Auto Loan rates in Utica, New York?
Based on our current data, some of the lowest auto loan rates available in Utica, New York include:
- First Source Federal Credit Union: 4.24% (Vehicles & Motorcycles - 12 Month Loan)
- Mohawk Valley Federal Credit Union: 4.24% (New Auto Loans (2 Years Old & Newer) - A+ (730)
- ONEIDA COUNTY: 4.25% (New Automobile)
- GPO Federal Credit Union: 4.49% (New Auto Loans)
- Utica District Telephone Employees Federal Credit Union: 4.75% (Vehicle Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Utica, New York. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: September 22, 2026
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